Patient Financial Services

Frequently Asked Questions

What if I have questions on my bill?

We encourage you to contact us by phone 508-473-1190 #8, Monday through Friday from 8 a.m. to 4:30 p.m., with any questions regarding your bill. Please have the patient's name and account number prior to calling.

Do you offer payment arrangements?

Yes, payment arrangements may be made by contacting our Patient Financial Services, Monday through Friday 8 a.m. to 4:30 p.m. at 508-473-1190 #8.

How can I pay my patient balance?

We offer the following payment options:

Online: You may pay your bill online using a credit card.

Make a Payment

Mail: You may pay by mail using a credit card, check, or money order. We accept most major credit cards.  Make check and money order payable to the hospital, and include your account number.

Mail to: Milford Regional Medical Center
            Attn: Patient Financial Services
            14 Prospect Street
            P.O. Box 190
            Milford, MA  01757


Telephone: You may pay by telephone, please call Patient Financial Services 508-473-1190 #8 to make a payment.

In Person:  Patient Financial Services is located @ 113 Water Street, Milford MA  01757.

Do I have to pay my co-payment at the time of service?

Yes, you are expected to pay your estimated co-payment prior to or at the time services are provided.

What is a health insurance co-pay or co-payment?

A health insurance co-payment is a payment made by you, the insured, each time a visit is made to your healthcare provider.  The co-payment varies depending on your insurance and the service received, i.e. office visit, specialist visit, or emergency room visit.

Why was my visit to the emergency department so expensive?

Our mission to provide exceptional healthcare services to our community requires us to be available 24 hours a day, 7 days per week and 365 days per year. We are prepared to treat everything from fevers to infections, to chest pain and broken bones, and in certain cases, to observe you for up to 24 hours to help your doctor determine if you need to be admitted as an inpatient or diagnosed and appropriately treated and discharged, unsually within 24 hours.

Why did the insurance carrier only pay part of my bill?

Most insurance plans require you to pay a deductible and/or co-insurance. In addition, you could be responsible for non-covered services and co-pays for some services.  For specific answers relating to your plan and coverage, please contact your insurance carrier directly.

What is a deductible?

The health insurance deductible is the amount, you the insured, have to pay prior to your insurance company issuing out any benefit payment(s).

What is co-insurance?

Co-insurance is a sharing of medical costs between the client and the insurance company. The most common is 80/20. With co-insurance, the insurance company will cover 80 percent of the medical expenses after the deductible and the insured will cover the other 20 percent of the medical expenses after the deductible.

Why do I have to call the insurance carrier if they do not pay the bill?

Milford Regional Medical Center will bill for inpatient services, outpatient services and all emergency department services providing we have all the necessary and pertinent information on file.  During our registration process, demographic and insurance information will be obtained.  It is very important to give accurate and up-to-date information so that the insurance company can pay your claim.  On occasion, it may be necessary for you to contact your insurance carrier or supply additional information to our billing department to expedite payment of your claim.

I belong to a managed care plan.  What should I do before visiting Milford Regional Medical Center?

The best patient is an informed patient. Read your insurance booklet to be sure you have followed all the guidelines for referral and authorizations, or call member services at your insurance carrier for assistance. Failure to follow your plan requirements may result in greater out-of-pocket expenses for you.

What does “in-network” and “out-of-network” mean?

If you receive your health care services from a hospital, physician or other health provider that participates in your health plan, they are considered "in-network."

Hospitals, physicians or other health care providers who do not participate in your health plan may be referred to as "out-of-network." You may have a higher co-insurance and/or co-pay for out-of-network services. In some cases, out-of-network services are denied totally.

How do I know if my health plan requires a referral or pre-certification for service?

Your benefit booklet or provider directory should provide this information for you. If not available, call your member service unit at the insurance carrier, and they should be able to help you.

What should I do when my insurance carrier has changed?

When your personal information changes, you should always notify us of the change by contacting Patient Financial Services (see contact information) or call 508-473-1190 #8.

Should I bring my insurance card with me?

Yes. The information on your insurance card is needed for us to file a claim with your insurance company.  When you register, we ask for information about your insurance coverage and ask you to sign a few forms.  The registration process goes much faster when you bring your insurance information with you.

Will you file workers’ compensation, motor vehicle or medical liability claims for me?

We will bill workers' compensation insurance or motor vehicle insurance if the patient provides the information needed.

Do I need to let my insurance company know that I am going to be seen at Milford Regional Medical Center?

We strongly advise you to check with your insurance company or your employer about this.  Because there are so many types of insurance plans, it is difficult for us to tell you whether or not you need prior approval or notification for your services.

How do I know if my insurance company will cover my visit or certain services?

Coverage varies with each insurance company.  Generally, we do not know whether medically necessary and appropriate services will be covered by your insurance contract.  Please refer to your insurance member handbook, contact your insurance company, or contact your employer with specific questions about your coverage.

Why did I receive separate bills from the radiologist, anesthesiologist, and emergency department physicians?

You will receive bills from other physicians who were consulted during your stay. Anesthesiologists, radiologists, emergency department physicians, pathologists, radiation oncologists and cardiologists will bill you serparately for theri professional services, as they are not hospital employees. If you have questions about a specific bill, please call the phone number on the bill.

What do I do if I disagree with how much my insurance company has paid?

If you disagree with the payment amount, contact your insurance company and ask them to review how the claim was processed.  If your insurance company finds that an error was made, note the information and the name of the person you talked with.  Request an anticipated date your claim will be processed.


Certain locations that are not part of the main hospital campus provide outpatient services as a department of the hospital.  These services are generally covered under hospital outpatient benefits.  Your co-payment, co-insurance, or deductible may vary depending on your insurance plan benefit.  You may have different deductibles for hospital services and physician office visits.  Please discuss your plan coverage and options with your insurance benefit specialist.

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