We hope these frequently asked questions help to answer all of your questions. However, if you do not find what you’re looking for or have additional questions, please feel free to contact us.
What do I do if I can't pay my bill?
Gundersen Health System provides medically necessary care regardless of ability to pay. We can provide financial assistance for medical expenses that you or your family accumulate at any of our facilities. If you believe you may be eligible for Financial Assistance we encourage you to apply.
Do I have to pay my co-payment at the time of service?
Yes, you are expected to pay your co-payment at the time of service. The amount of your co-payment may be listed on your insurance card. If not, you should contact your insurance to determine the amount.
When will I receive a bill?
Providing we have received the correct insurance information, you can expect a bill once your insurance company has paid the claim and indicated you owe co-payment, coinsurance, deductible or charges for a non-covered service. If your insurance company does not respond to a claim in a timely fashion, you may also be billed.
Legally you are responsible for the bill at the time your receive services. Once you receive a statement, there will be a due date listed on the statement.
How are payments applied?
We post your payment to the oldest charges first. On your billing statement, we itemize both the charges and your payments.
Why did I receive a bill for a doctor I did not see?
Some providers may assist with your healthcare even though you may not meet them. These are the providers who read your lab results, X-rays and other test results.
Do I qualify for a discount if I do not have insurance?
Gundersen offers an uninsured discount for medically necessary services. This discount will be automatically applied to your charges. To determine if you are eligible for this discount, contact Revenue Cycle.
Who do I contact if my account has been referred to a collection agency?
Call the collection agency directly, even if you have a dispute as to the charges or why it was referred. Agencies are listed here.
Gundersen Lutheran Medical Center/Gundersen Clinic
Gundersen Boscobel Area Hospital and Clinics
(Boscobel, Fennimore, Muscoda)
Gundersen Palmer Lutheran Hospital and Clinics
(West Union, Fayette, Postville)
Gundersen St. Joseph's Hospital and Clinics
(Hillsboro, Wonewoc, Elroy)
Gundersen Tri-County Hospital and Clinics
(Whitehall, Blair, Independence)
One annual wellness visit, two separate charges?
Note: This applies to Gundersen Lutheran Medical Center only (La Crosse, Onalaska, and regional clinics not part of a regional center like Boscobel Area, St. Joseph's, Tri-County or Palmer Lutheran.
When you visit your Gundersen provider, you will be billed based on standard healthcare billing practices and insurance rules for the type of care you receive.
At an annual wellness visit your provider asks how you feel and if you have any concerns and performs an exam. One annual wellness visit is covered by many insurance plans. This might mean no out of pocket expense for you.
At a standard office visit new illnesses or injuries or follow up care of an ongoing chronic health problem are addressed. Health insurance counts each of these visits as single office visits. What insurance covers will vary widely and most plans pass some of the cost on to you.
If during your annual wellness visit you also discuss chronic health problems or new illness or injury, federal law requires us to bill these as separate visits. The result is two visit charges. Additional information can be found at this link:
One Annual Wellness Visit, Two Separate Charges
What do I do if my marital status changes?
If you have gotten married and would like to combine your account with that of your spouse, please contact us. Please note we will need permission from both parties. In cases of a divorce, please provide us with a copy of your divorce decree. Once we receive a copy of the divorce decree, we will move both adults to separate accounts. Whoever was the financial responsible person (guarantor) of the family account will continue to get two statements until the old account is paid. Any minor children will be moved to the appropriate guarantor account determined by primary physical placement or indication in the divorce decree of which parent is responsible for medical bills or who is required to carry insurance in that order.