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Financial and Insurance Information

Coronavirus (COVID-19) Notice: To continue to meet patient needs, while protecting our healthcare workers, Garnet Health is transitioning to a telecommunication process for questions regarding open balances, self-pay after insurance, self-pay, payment arrangements or financial assistance status. Please do not come to the billing office to ask questions.

If your question is about an open self-pay balance, recent payment or financial aid status, please contact Bolder at 888-280-8432.

For all other inquiries, please follow up with a Garnet Health representative by email to aboutmybill@garnethealth.org.

To speak to a representative please call:

  • Garnet Health Medical Center / Garnet Health Doctors/Urgent Care 845-333-7880
  • Garnet Health Medical Center – Catskills /Urgent Care 845-333-8989

Patient Financial Services Guidelines

What You Need To Know About Paying For Your Health Services

Pautas De Los Servicio Financieros Del Paciente

Lo que usted necesita saber sobre el pago de los servicios de salud

פינאַנציעלע אָנווייזונגען פאַר דעם פּאַציענט

וואָס איר דאַרפט וויסן וועגן באַצאָלן פאַר אייערע מעדיצינישע דינסטן

Important Information About Paying For Your Care At Garnet Health Medical Center – Catskills

Garnet Health Medical Center – Catskills is a participating provider in many health plan networks. Some health plans use smaller networks for certain products they offer so it is important to check whether we participate in the specific plan you are covered by. Our list will tell you if we do not participate in all of a health plan’s products.

It is also important for you to know that the physician services you receive in the hospital are not included in the hospital’s charges. Physicians who provide services at the hospital may be independent voluntary physicians or they may be employed by the hospital. Physicians bill for their services separately and may or may not participate in the same health plans as the hospital. You should check with the physician arranging your hospital services to determine which plans that physician participates in.

Garnet Health Medical Center – Catskills contracts with a number of physician groups, such as anesthesiologists, radiologists and pathologists, to provide services at the hospital. You should contact these groups directly to find out which health plans they participate in.

You should also check with the physician arranging for your hospital services to determine whether the services of any other physicians will be required for your care. Your physician can provide you with the name, practice name, mailing address and telephone number of any physicians whose services may be needed. Your physician will also be able to tell you whether the services of any physicians employed or contracted by Garnet Health Medical Center – Catskills are likely to be needed, such as anesthesiologists, radiologists and pathologists. You should contact these groups directly to find out which health plans they participate in.

Price Transparency for Healthcare Services

Hospitals are required by law to make available information about their standard charges and additional information for the items and services they provide.

Learn more

If you do not have health insurance, you may be eligible for assistance in paying your hospital bills. Information about financial assistance income eligibility is available or you may contact our Financial Assistance Office at 845-794-3300 ext. 2430.

For patient billing inquiries, please contact Patient Financial Services at 845-794-3300, ext. 2430.


A hospital stay for many patients and their families can be overwhelming simply because of the amount of paperwork — forms to be filled out, information presented and financial or insurance applications. We hope the information provided here will help you feel more comfortable with what Garnet Health Medical Center – Catskills offers in assistance and insurances we accept.

In emergency situations, Garnet Health Medical Center – Catskills provides care regardless of ability to pay. In non-emergency situations, we work with patients so that they can get needed health care without finances being an issue. We help obtain certain financial assistance or provide information about where to go for assistance. Our comprehensive registration process verifies personal information and insurance eligibility. This reduces the chance that information might be incorrect. Though this may make registration take a bit longer, remember that the purpose of a thorough review is to assure that you and your family get the best health care with the lowest possible expense.

Garnet Health Medical Center – Catskills does not know the details of every insurance provider or managed care organization. It is your responsibility to confirm where you may go and what is included in your insurance coverage. You are responsible for providing current and accurate information. If you don’t, your insurance company may reduce your benefits or impose penalties.

Financial Assistance Program

Patient Access, 845-794-3300, ext. 2430

The purpose of this program is to provide a lower cost for people who have no other insurance. An application can be downloaded below or obtained at our Patient Access Department and at all hospital providers. Also, please refer to the current charity care levels from the State of New York below.

Medicaid

Medicaid is a program that is run by the State of New York and funded by both the State and the federal Government. Medicaid is for patients who do not have other health insurance. Eligibility is determined by your local Department of Social Services office and is dependent upon family size, earnings and other criteria. Medicaid is very comprehensive and covers nearly all aspects of healthcare. Some services do require a co-payment. We do have assistance for inpatient services provided by a representative in our Patient Access Department. It is best to obtain and coordinate all the benefits you are entitled to from your local office of Department of Social Services.

Garnet Health Medical Center – Catskills accepts NYS Medicaid and the following Medicaid HMOs

Maternal/Infant Services

Maternal Infant Services does work with Garnet Health Medical Center – Catskills to help coordinate benefits and services. Forms are available at our Patient Access Department and are regularly collected to assure all patients who qualify to attain services. The WIC (Women’s, Infants and Children) Program is also coordinated with Garnet Health Medical Center – Catskills.

Medicare

Medicare is available for adults who are 65 or older, permanently disabled and receiving Social Security and certain other debilitating conditions. Medicare is a federally administered program and must be obtained through Social Security. Medicare Part A provides inpatient hospital benefits. Medicare Part B allows recipients to obtain other hospital services including but not limited to: emergency services, outpatient surgery, diagnostic testing in an outpatient setting and physician services. Please refer to your Medicare card for your provided benefits and co-payment requirements.

Garnet Health Medical Center – Catskills accepts Medicare and the following Medicare HMOs

Medicare Inpatient Notice of Rights

Aviso de derechos del paciente de Medicare

Health Insurance

Every insurance company and managed care organization has different rules for their policyholders. Coverage differs for each company and even different policies levels within the same company. It is very important that each policy holder understands their plan and benefits. Plans vary in many different ways, including inpatient hospital benefits, allowable surgical procedures, required co-payments and deductibles, physician participation, pharmacy benefits, etc. Typically, contact information can be found to secure this kind of information on the back of your insurance card or the company’s website. If you obtain your insurance through your employer, your human resources department can most likely assist and direct you.

Garnet Health Medical Center – Catskills accepts the following Insurances and Managed Care Programs

For Behavioral Health, Garnet Health Medical Center – Catskills accepts the following Insurances and Managed Care Programs

 

Pricing Transparency FAQs

Q: What is a hospital chargemaster?
A: The chargemaster is a comprehensive list of the services, products, and procedures provided by the hospital, including items such as supplies, prescription drugs, diagnostic tests, etc.

Q: Are the listed charges what I will pay for hospital services?
A: The charges listed are generally not the amount a patient will pay. If you have health insurance, your out-of-pocket expenses will depend on the specific services you receive, your health insurance coverage, and your insurance company’s contract with the hospital. Please contact your insurance company for more information. If you do not have health insurance, you may be eligible for: 1) reduced costs under the hospital’s Financial Assistance Policy, or 2) subsidized health insurance through programs such as Medicaid. Please contact 845-333-1888 for Garnet Health Medical Center or 845-794-3300 x2430 for Garnet Health Medical Center-Catskills for more information.

Q: Are charges the same for every patient?
A: Yes, hospital charges are standard for every patient, regardless of insurance status. The total charges on your patient bill will reflect the actual services that you receive, which may vary based on several factors, including your length of stay, the time it takes to complete your procedure, medications you receive, and other health conditions related to your care. In addition, your out-of-pocket expenses will depend on your insurance coverage and/or eligibility for discounted care based on the hospital’s Financial Assistance Policy.

Q: How can I get an estimate of my out-of-pocket expenses for a procedure?
A: Patients with health insurance should contact their insurance company to get an estimate of their out-of- pocket expenses for a procedure. The Estimate for Services (?) or Services Estimator (?) tool available on our website can also be utilized. Patients without health insurance should contact 845-333-1888 for Garnet Health Medical Center or 845-794-3300 x2430 for Garnet Health Medical Center-Catskills for an estimate, information about the hospital’s Financial Assistance Policy, and whether you may be eligible for subsidized health insurance through programs such as Medicaid.

Q: Can a patient receive a bill for services that are not included in the chargemaster?
A: Yes, the hospital chargemaster reflects hospital services only and does not include professional fees such as physician services that are billed separately. For estimated professional charges, please contact your physician’s office. In addition, the physician chargemaster is also located on our website.

Q: If insurance companies and patients without health insurance don’t pay the chargemaster prices, what do they pay?
A: Some insurance companies have contracts with the hospital and/or medical group for discounts from charges. In addition, patients with health insurance are responsible for certain cost-sharing requirements such as deductibles, copayments, and/or coinsurance which vary by insurance plan. Patients without health insurance can apply for support through the hospital to either receive insurance coverage (if eligible) or reduced costs through the hospital’s Financial Assistance Policy. These programs will reduce the amount owed by the patient. Please contact 845-333-1888 for Garnet Health Medical Center or 845-794-3300 x2430 for Garnet Health Medical Center-Catskills for more information. Keep in mind that your insurance company or plan may not be participating with every facility or medical group and therefore may not have a contract.

Q: Why do charges for the same procedure or item vary by hospital?
A: Hospitals set their standard charges for services and items based on metrics, including the cost to provide patient care – which varies between hospitals. For example, charges will vary based on the location of the hospital, the availability of specialized services such as trauma and transplant services, whether it is a teaching hospital, its level of underpayment from the Medicare and Medicaid programs, and services provided to the uninsured. Again, these listed charges are generally not what insurance companies or patients without insurance ultimately pay.