Patient Financial Services Frequently Asked Questions

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.  Here are some frequently asked questions that may help you.

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.  See contact Information.

How can I pay my patient balance?

We offer the following payment options:

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

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

               14 Prospect Street

               P.O. Box 190

               Milford, MA  01757

               Attn: Patient Financial Services

 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 deductible?

Deductibles are provisions that require the member to accumulate a specific amount of medical bills before any benefits are paid. Once the patient/insured has met their deductible, the insurance carrier usually pays a percentage of the bill. The patient is liable for the unpaid percentage. Deductibles are usually annual, and generally start in January.

What is co-insurance or co-pay?

Co-insurance and/or co-pay are a form of cost sharing. After deductibles are met, the plan will begin paying a percentage of the insured's bill. The remaining amount, known as the co-insurance, is the portion due by the patient and/or insured. Managed care carriers charge co-pays for various services.

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.

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

You are ultimately responsible for the total bill or any portion of the bill that your insurance carrier did not pay. Cornerstone Central Billing Services will make every effort to resolve the account balance with your insurance carrier. Occasionally, we will be unable to resolve the issue with your carrier and will need your assistance.

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.

What if I receive more than one bill?

You may receive multiple bills from other professionals.  These bills are for services provided by independent physicians, anesthesiologists, radiologists, or other professionals.  If you have questions about a specific bill, please call the phone number listed on the bill.

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 bill my insurance company for me?

Yes.  As a courtesy we will bill your insurance.  It is your responsibility to provide any requested information to your insurance including accident information and claim forms.

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.

How do I know if my insurance company will cover services provided by all professionals involved with my care, such as anesthesiologists, radiologists and pathologists?

We encourage you to check with your insurance company or your employer about this.  Each professional contracts individually with insurance companies and we do not know if each professional is contracted with your insurance company.

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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