Patient Financial Services

2018 FA Plain Language Summary of Hospital Financial Assistance Programs (English)
2018 FA Summary of Hospital Financial Assistance Programs (Spanish)

Summary of Hospital Financial Assistance Programs
St. Luke's Hospital (SLH) recognizes that certain individuals are unable to pay entirely, or in part, for services provided by the institution. The purpose of our Financial Assistance Programs is to have a unified system to assist those qualified individuals who are unable to pay for their healthcare services. SLH fully complies with any required Federal or State regulations related to financial assistance. (El formulario de ayuda financiera del paciente es disponsible en Español. Para descargarlo, haz clic aquí.)

There are 4 (four) programs available at SLH:
     1) Uninsured Discount
     2) Financial Assistance (formerly known as Charity Care)
     3) Hardship Settlement Assistance
     4) Payment Arrangements

Uninsured Discount:
Uninsured patients will receive a 50% discount off gross charges on all services. This is applied automatically at the time of billing and no action is needed by the patient to receive this discount. This program is available to all uninsured patients.

Financial Assistance:
St Luke's Hospital, offers financial assistance based on the current Federal Poverty Guidelines to uninsured patients and guarantors with an outstanding balance owed for medically necessary services. Patients or guarantors may be determined to be Presumptively Eligible for financial assistance based on eligibility for other specific state or federal programs. Additional information regarding available financial assistance is also available at the following links: Financial Assistance Policy and Financial Assistance Application. Please note that additional information is needed to complete the application process. Click here to view the Financial Assistance Verification sheet. Please supply the information that pertains to you along with your completed application in order to avoid delays.

In addition, patients may obtain a copy of these documents at no cost by sending a request to St Luke's Hospital Financial Counseling Department, 101 Hospital Drive, Columbus, NC, 28722 or in person at the same address. Our Financial Counselors can be reached at (828) 894-0912 to assist you with any additional questions, or email our Patient Financial Counselor at Patients approved for financial assistance under the St. Luke's Hospital Financial Assistance Policy will be billed no more than the amount generally billed (AGB) to Medicare and our Private Health Insurers. Applications for Financial Assistance are printed in English with Spanish translation.

Hardship Settlement:
Patients that have insurance but are left with large copays and deductibles totaling $5,000 or more after third party payments may contact the Financial Counselor to request a Hardship Settlement Application. Guidelines for assistance are based on established debt to income ratios. If any balances remain after the Hardship Settlement, the patient is expected to make payment arrangements. Click here for the Hardship Settlement Policy, and click here to download the Hardship Settlement Application. Please note that additional information is needed to complete the application process. Click here to view the Hardship Verification Sheet. Please supply the information that pertains to you along with your completed application in order to avoid delays.

Payment Options:

Those patients that are unable to pay their bills in full and that do not qualify for Financial Assistance or a Hardship Settlement may request a payment arrangement with SLH. Payment arrangements must follow SLH established payment guidelines or risk collections activity.

Click here for the Billing and Collections Policy. You may contact our business office at 855-283-9093 for additional information.

AccessOne MedCard
With deductibles and out-of-pocket medical expenses on the rise, St. Luke's Hospital has partnered with AccessOne to offer extended and affordable payment options to all patients. The program gives patients either a low interest or interest-free option based on the size of the account balance. Patients who choose to participate in one of the payment options are given a MedCard. According to AccessOne, the card provides flexibility in making "affordable payments over the life of [the patient's] account" in order to help families eliminate the financial burden of medical expenses. Everyone qualifies for the MedCard program, and families that have multiple patients only receive one bill. To learn more or to sign up, click here.

Financial Assistance Cost
"Community benefit" is an industry term that refers to the total cost of providing financial assistance to uninsured and underinsured patients. This includes subsidies to Medicare and Medicaid reimbursements and financing other services that address vital needs but do not pay for themselves. For its year ended September 30, 2017, St. Luke's Hospital total Community Benefit was $5,286,026 which was 13.% of its net operating revenue. This amount includes $1,363,173 in financial assistance costs provided by St. Luke's Hospital as defined by and required to be disclosed by NC law.

Contact information:

St. Luke's Hospital
Attention: Financial Counseling
101 Hospital Drive
Columbus, NC 28722
(828) 894-0912

Accepted Health Plans
Click here to review the health plans that St. Luke's Hospital currently accepts. This list will be updated monthly. Because this list changes, please verify that your doctor accepts your insurance plan.

Physician Contact Information
Certain physician and professional services are billed separately, so if you have any questions about physicians' bills, please contact them directly. Click here for physician offices' phone number.

Currently, St. Luke's Hospital does not post Schedule H, IRS Form 990 on its website. Copies are available upon request and the hospital's IRS Form 990 can be accessed online at

Financial Counseling Department Hours
Monday, Tuesday, Thursday 7:30 a.m. - 4:00 p.m.
Wednesday 7:30 a.m. - 7:00 p.m.

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