By partnering with Medfinancial, Cookeville Regional is able to offer patients a convenient, stress-free way to finance their out-of-pocket medical expenses through the WE CARE™ Patient Payment Program.

What this means to you:

  • Finance unexpected healthcare costs with the WE CARE™ Care Patient Payment Program from Medfinancial.
  • With the WE CARE™ Patient Payment Program from Medfinancial, you have the choice to break your payments into affordable monthly installments spread over 12, 24 or 36 months.
  • The WE CARE™ one-page application from Medfinancial is easy to complete, and no credit check is necessary. You can apply at the hospital or apply online.
  • The WE CARE™ Patient Payment Program from Medfinancial Services provides an alternative to patients in financing out-of-pocket medical expenses that are not covered by insurance.

Conveniently finance YOUR MEDICAL EXPENSES

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COOKEVILLE REGIONAL MEDICAL CENTER'S CHARITABLE CARE POLICY

A. POLICY

CRMC’s policy is to provide medically necessary health care services for patients in its Service Area as defined by CRMC.  The intent of this policy and related procedures is for use in circumstances in which financial assistance shall be offered to CRMC patients who have no insurance coverage or inadequate insurance coverage and who are unable to pay in full for their health care services and who meet the eligibility criteria set forth in this policy.   While it would be ideal for CRMC to provide health care services to all without regard to payment, it is financially impossible to do so.   This policy applies not only to inpatient services but to outpatient services provided by CRMC

B. DEFINITIONS

1. CRMC SERVICE AREA – the following list of counties in the Upper Cumberland area comprise the Service Area:  Putnam, Jackson, White, Cumberland, Warren, Van Buren, Cannon, Fentress, Overton, Pickett, Smith, Clay, and Macon.  CRMC reserves the right to add to or subtract from the list of counties in its service area.

2. INCOME – Any income, whether from active or passive activities, such as rental, social security, disability, retirement, alimony or child support, unemployment benefits, inheritance, investments or annuity payouts.  It also includes proceeds from sale of long-term assets or the proceeds from life insurance, third party settlements or lump sum annuity payments.

3. PATIENT MAXIMUM LIABIITY - Amount of total patient liability for patients at 200% of the Poverty Level or below will not exceed 10% of total household income.

4. FEDERAL POVERTY LEVEL – the most current Federal Poverty guidelines from the U.S. Center for Medicare and Medicaid Services (CMS)

C. CHARITY CARE FINANCIAL ASSISTANCE

1. CRMC will provide medically necessary hospital services, including emergency room services to patients and for those eligible under this policy based upon their family income will discount their maximum liability of total charges after the state mandated discount  based upon the following scale:

  •     a. 100% or below Federal Poverty Level      100% discount 
  •     b 101-150% of Federal Poverty Level   75% discount
  •     c. 151-200% Federal Poverty Level  50% discount
  •     d. 201-300% Federal Poverty Level  25% discount
  •     e. 301% and above Federal Poverty Level  no discount

2. Remaining balances from eligible patients who qualify for the above discounts may be set up on payment arrangements in accordance with CRMC’s payment plan policy. If said payments are not made on the balance of the account, it will be sent to the collection agency for follow up.

3. Charity care assistance will not apply to accounts with a combined total less than $250.00.

4. This policy only applies to patients who reside in CRMC service area as defined within this policy.

5. This policy only applies to patients who are not insured through a third party or who are unable to pay in full the balance of their account after exhaustion of all third party liability.

6. CRMC Charity care financial assistance is applicable only to items and services defined as “covered items and services” covered by the Medicare program.

7. This policy is not applicable to any professional fees unless performed by a physician employed by CRMC or contracted to perform services for CRMC from which CRMC receives the revenue.

8. This policy applies only to those individuals who cooperate fully with CRMC’s request for information with which to verify patient’s eligibility, including appropriate identification.  It is the patient’s responsibility to respond truthfully and completely to CRMC’s request for information within a timely fashion.  In addition, patient’s full cooperation in applying for Medicaid or coverage by other governmental programs is required, if so requested.

D. PROCEDURE

1. CRMC personnel will provide patients with an application for Charity Care once a patient is identified as potentially eligible for charity care.  The timing of the delivery of the application will depend upon when the identification is made and may be at the time of service, during the billing process or during collection.  The patient must complete the application for charity care and provide all the requested information.

2. A patient who requests the discount as an uninsured patient will not be entitled to receive the billing information that would allow them to file an insurance claim.

3. Documentation must include the completed application, all supporting material, a print out of the account face sheet with all patient demographics and a financial analysis work sheet.  In evaluating a patient’s need for charity care, CRMC personnel may review the patient’s W-2 (or the guarantor’s) tax return, pay-stubs, bank statements, written verification of wage from employer, written verification of public welfare agency, governmental agency or other information attesting to the patient’s income status.  Patients must provide information relating to possible third party liability incidents, where applicable, including accident reports and copies of vehicle insurance policies.

4. Completed applications shall be sent to the Department Director for approval.  If the dollar amount exceeds $5,000 it requires approval for the CFO or his designee.  

5. Once eligibility has been determined, patient will be notified of the determination

E. EXCEPTIONS

1. CRMC reserves the right to grant financial assistance in extraordinary circumstances to patients who do not otherwise meet the charity care guidelines. CRMC also reserves the right to deny charity care assistance to patients who fail to cooperate with CRMC’s efforts to verify eligibility, provide false information, refuse to apply for Medicaid or other governmental program benefits or who fail to respond to requests for information in a timely fashion.

2. Uninsured patients who do not qualify for charity care or who do not wish to be considered may be offered a prompt pay discount of 25% for payment in full within 60 days of discharge date.