Patient Financials Services
As a physician-owned clinic, we understand medical billing and insurance can be confusing. We are a private business, without government taxes or grant dollars to keep our doors open, or to pay for medical technology. We do our best to operate efficiently and to work with insurance companies so that you may also get the benefit of your health insurance benefits. We know, that is NOT EASY! To help us in this effort, please ensure your insurance information is up to date at each visit and that Rapid City Medical Center is “in network” as a participating provider before scheduling.
For your convenience, RCMC provides you with easy access to pay your bills online, on the phone or by mail. Payments are due upon receipt.
Nonpayment of your account could result in your balance being sent to a collection agency. These cases require $150 towards your collections balance before you can schedule again with a provider. Thank you, for your attention to billing matters, which is tedious and time-consuming, but in being mindful of these tasks, we can offer you competitive pricing, which can sometimes be up to two-thirds less expensive than if received in a hospital-setting!
No Surprises Act
Centers for Medicare & Medicaid (CMS) has instituted regulations to protect patients from surprise medical bills. Click here for additional information.
More details on the No Surprises Act can be found at https://www.cms.gov/nosurprises. The No Surprises Act protects patients with insurance through an employer, individual health plan or Health Insurance Marketplace from balance billing for designated services. Patients with no insurance will be provided with a good faith estimate for pre-scheduled appointments.
Good Faith Estimates
Rapid City Medical Center works with most major insurance plans, including those with high deductibles. To ensure less financial stress, we have staff available to help answer your questions and to attempt to work with your insurance company to get answers on your insurance out-of-pocket costs.
Under the No Surprises Act, health care providers are required to give patients who do not have insurance, or who are not using insurance, with an estimate how much it will cost for non-emergency medical items and services. Our Patient Financial Counselor will provide you with an estimate of your costs.
Please contact our Patient Financial Counselor at 605-721-8499 with ample time before your visit for a proper analysis.
Below we have listed some facts regarding the Good Faith Estimate process.
Uninsured?
Don’t have insurance? It is still possible to receive quality healthcare to ensure healthy living. Rapid City Medical Center will provide uninsured patients with a Good Faith Estimate before services are performed. This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care episode of treatment. The estimate is based on the information given at the time the estimate was created.
What if I can’t pay my bill in full?
Rapid City Medical Center offers payment plans and financial assistance.
Who do I call if I have questions?
Please reach out to Patient Financial Services at 605-721-849.
What happens if I miss a payment?
You will receive one reminder, continued missed payments can result in the account being turned over to a collection agency.
How do I ask for an estimate for services?
Contact our Patient Financial Services Department at 605-721-8499.
What are my payment options?
Contact our Patient Financial Services Department at 605-721-8499.
I received a letter or notice from my insurance company about network changes. What does that mean for me?
Some patients have received communications from their insurance company about provider network status during our transition. We want to reassure you: RCMC providers are working through the in-network credentialing process as part of joining Monument Health. You will not be held financially responsible for charges related to transitional insurance processing issues while our teams work through these updates.
Will I be responsible for higher out-of-network costs?
No. RCMC and Monument Health are committed to ensuring patients are not held financially liable for charges related to insurance system updates during this transition. If you receive a bill that does not reflect in-network rates, please contact us and we will work to correct it.
Should I still come in for my appointment?
Yes, please continue seeking the care you need. Payer systems are being updated and may not yet fully reflect the changes. Our teams are actively working through each payer to ensure your coverage is accurately reflected.
Which insurance plans are affected?
Multiple payer systems are being updated as part of the transition. Some patients have seen notices from Wellmark Blue Cross Blue Shield specifically, that issue has been resolved for the vast majority of providers. If you have a question about your specific plan, please reach out to our team directly.
What if I already paid out-of-network rates?
Please contact us at rcmcpatientfs@monument.health and we will review your situation. We are committed to making this right for patients who were impacted.
Before Your Appointment
To better understand your coverage, we recommend contacting your insurance provider before your appointment and asking:
- Is a preventive/wellness visit covered under my policy?
- What screenings are covered (e.g., labs, imaging)?
- What vaccines or immunizations are covered?
We will submit your claim to your insurance provider. Depending on your plan and benefits, you may have out-of-pocket costs.
What’s the difference? What’s covered by insurance?
Rapid City Medical Center follows standard healthcare billing practices and insurance rules for the type of care you receive.
Preventive/wellness visit includes:
- Conducting an exam based on your age and gender.
- Providing advice about staying healthy and healthy living choices.
- Identifying risk factors and scheduling screening tests based on age, gender or lifestyle.
- Keeping your immunizations up to date based on your age and gender. You may incur a cost if an immunization is administered.
Annual preventive/wellness visits are covered by many health insurance plans POTENTIALLY with no out-of-pocket costs to you.
Standard office visit for a problem includes:
- Discussion of any new health problem, illness or injury.
- Management of chronic, ongoing health problems and/or medications.
Health insurance treats each of these visits as a single office visit with varying coverage.
Your insurance provider may pass some or all of the cost on to you.
If you’re here for a preventive visit and you’d like to discuss concerns not covered under preventive services, you have the option to do so.
Please be aware that separate charges
WILL apply.
If you are here to discuss a problem, your provider could offer preventive/wellness visit services to avoid scheduling an additional appointment to receive those services.
Federal law requires us to bill services for preventive care and problem visits separately.
Insurance coverage for combined visits is dependent on individual policy, but typically resembles guidelines under separate visits listed.
Contact Patient Financial Services
If you have any questions or concerns regarding your billing, please contact our
Patient Financial Services department for assistance.
Rapid City Medical Center
Attn: Patient Financial Services
2820 Mt. Rushmore Road
Rapid City, SD 57701
Phone:
(605) 721-8499
Monday–Friday, 8:00 AM–5:00 PM