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Online Billing Manager

Frequently Asked Questions > General Questions


1. What's the best way for me to pay my medical bills?
2. What is a deductible? A co-payment?
3. Who is responsible for paying my bill?
4. What other bills will I receive?
5. Did you bill my correct insurance?
6. What is pending with my insurance?
7. What do I owe?
8. Did you receive my payment?
9. Why didn't my insurance pay?
10. What are my options for making a payment?


1. What's the best way for me to pay my medical bills?

When making medical payment decisions, make sure you know:

  • the total costs
  • what your insurance will cover
  • what you will have to pay out-of-pocket
  • what methods of payment are accepted

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2. What is a deductible? A-co-payment?
  • A deductible is the initial amount of "covered" health costs that you pay before your insurance plan begins reimbursement. A deductible is usually a set dollar amount such as $250 or $500.
  • A co-payment is the portion of your health care expenses not covered by insurance. A co-payment is usually a percentage figure, like 10% or 20%.

    For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-payment might be 20%, meaning that you will have to pay an additional $70. Your insurance company will pay the remaining $280.
    Once you have this information, there is a number of ways for paying your bill:
  • If your insurance pays all but a deductible or co-payment, you may be required to pay an estimate of your portion of the bill at the time of service.
  • Lake Region Healthcare will file the claim for you. After insurance has made payment, you will receive a bill asking for payment on the balance using cash, check, or credit card.
  • In certain circumstances, you will be able to make monthly payments until your bill is paid in full. You should discuss this with our Patient Financial Services Department.

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3.

Who is responsible for paying my bill?

Lake Region Healthcare will bill your insurance company directly (unless you specify otherwise), you are ultimately responsible for making certain that your bill is paid.

If a balance remains after your insurance has issued a payment or a denial, payment is due upon receipt of your statement.

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4. What other bill(s) will I receive?

In addition to your bill from Lake Region Healthcare, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists.

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5. Did you bill my correct insurance?

You can find the answer to this question in your online account details.

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6. What is pending with my insurance?

You can find the answer to this question in your online account details.

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7. What do I owe?

You can find the answer to this question in your online account details.

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8. Did you receive my payment?

You can find the answer to this question inyour online account details.

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9. Why didn't my insurance pay?

Please contact your insurance directly for this information.

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10. What are my options for making a payment?

We offer several convenient options for making a payment on your LRH bills:

  • online through this "Manage My Account" link
  • at the Lake Region Healthcare payment drop box behind the Federal Courthouse building in downtown Fergus Falls
  • by mail
  • in person at the Patient Financial Services office at 712 Cascade St S Fergus Falls
  • in person at Clinic Registration at 615 Mill Street S Fergus Falls

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