Financial Assistance

Financial Assistance

We are committed to providing high quality rehabilitation care and services to our patients. Our hospital provides free or discounted emergency and other medically necessary care to patients who are uninsured or underinsured and who qualify for assistance under its Financial Assistance Policy. Learn about our financial assistance policy and how to apply for assistance.

Financial Assistance Policy

Purpose

This policy outlines the circumstances under which the hospital will provide free or discounted emergency or other medically necessary care to eligible patients who are unable to pay for their care, as determined by the hospital in accordance with the eligibility criteria and other terms specified in this policy. Patients are expected to cooperate with the hospital’s procedures for obtaining Financial Assistance, securing insurance or other forms of payment, and contributing to the cost of their care based on their ability to pay.

This policy applies to emergency or medically necessary care provided by the hospital. This policy does not apply to care delivered by physicians or other healthcare providers who bill “privately” (separate from the hospital). (See Attachment A for additional information about physicians and other healthcare providers providing care within the hospital.)
 
This policy does not apply to care that is not emergency or medically necessary care, including elective services or items that are solely for the comfort or convenience of a patient.

Financial Assistance does not apply to amounts that are covered by insurance, governmental programs or other funding sources (which may include, but are not limited to, workers’ compensation, automobile or other liability insurance, crime victims’ compensation funds, and litigation recoveries). To be eligible for Financial Assistance, a patient is expected to apply for and comply with all processes related to seeking assistance from other insurers and/or third-party sources of payment (including all applicable governmental programs) as requested by hospital staff. Patients who are noncompliant or uncooperative in attempting to obtain insurance coverage, qualification under governmental programs, or payment from third-party sources will not be eligible for Financial Assistance.
 
A patient will be ineligible for Financial Assistance if the patient, or his or her representative, provides false information or falsified documentation of household size, income, assets, or other pertinent information.

Definitions

Covered Services – emergency or medically necessary care provided by the hospital. Covered Services do not include services that are not emergency or medically necessary care, or care that is provided by physicians or other healthcare providers who bill “privately.”

Emergency or medically necessary care – services that are necessary and appropriate to sustain life or to prevent serious deterioration in the health of the patient from injury or disease. Medically necessary will be determined by the treating physician.

Family – includes spouse/domestic partner, children, and any other persons treated as “dependents” for federal income tax purposes.

Financial Assistance – reduction of an eligible patient’s account balance for Covered Services under the terms of this policy.

Patient – the individual receiving medical treatment and/or, in the case of an unemancipated minor or other dependent, the parent, legal guardian or other person (guarantor) who is financially responsible for the patient.
 
Uninsured – a patient who does not have health insurance coverage, is unable to obtain affordable coverage, and is ineligible for government healthcare programs or other third-party payment sources.
 
Underinsured – a patient who is not uninsured, but whose out-of-pocket medical expenses exceed his or her financial ability to pay.
 
Policy

Subject to the terms of this policy, Financial Assistance is provided to eligible patients who are uninsured 
or underinsured.

Eligibility for Financial Assistance, and the amount of Financial Assistance that will be provided, are based on an individualized assessment by the hospital of a patient’s financial need, generally determined by measuring the patient’s gross family income against the Federal Poverty Guidelines as specified in the Financial Assistance Discount Guidelines in Attachment B, provided that the patient does not have other financial resources that could be used to pay for his or her care. The Financial Assistance Discount Guidelines are adjusted annually to reflect changes in the Federal Poverty Guidelines.

Patients are presumed to be eligible for financial assistance, without completing an application, in the following circumstances:

Homelessness
Deceased with no estate
Mental incapacitation with no one to act on patient’s behalf
Recent Medicaid coverage, i.e. coverage within three (3) months of admission or discharge.

Presumptive financial assistance will be the most generous assistance available under the Financial Assistance Policy.

A patient determined to be eligible for Financial Assistance will not be billed more than the amount generally billed for emergency or other medically necessary care by hospital to individuals who have insurance covering such care. (See Attachment B for additional information about the “amount generally billed” limitation.)

If a patient is underinsured and is determined to be eligible for Financial Assistance, discounts will only apply to the balance due from the patient after insurance payments and other third-party payment sources have been applied to the account.


For purposes of this policy, “income” includes, but is not limited to, revenue from the following sources (before taxes):
 
Wages
Tips
Payments from Social Security
Retirement benefit payments
Unemployment compensation
Worker’s compensation
Veterans’ benefits
Public assistance
Alimony
Child support
Pensions
Regular insurance or annuity payments
Investment income
 
For purposes of this policy, “other financial resources” includes, but is not limited to the following:

Savings
Checking account
Medical savings account, healthcare savings account and/or flexible spending account
Trust fund
Retirement accounts
Investment assets
Other liquid assets
Equity value of real estate, other than the patient’s primary residence
Benefits from charity organizations
Pending litigation

FINANCIAL ASSISTANCE/CHARITY CARE ELIGIBILITY - PROBABLE DETERMINATION

Within two business days following a patient’s request for charity care services, the Hospital shall make a determination of probable eligibility for financial assistance.  To obtain a determination of probable eligibility for  financial assistance/charity care, the patient or the patient’s representative must (A) provide the following information by telephone or in person (i) estimated gross income for household  (patient, patient’s spouse, and dependents) and (ii) total number of dependents (including patient) or  (B) complete the  Initial Financial Assistance Application. Upon receipt of the requested information or a completed Initial Financial Assistance Application, a determination of probable eligibility for financial assistance/charity care will be made within two business days.

FINANCIAL ASSISTANCE CHARITY CARE ELIGIBILITY – FINAL DETERMINATION

To obtain a final determination of eligibility for charity care or financial assistance, a complete Financial Assistance Application is required. To apply for a financial assistance probable determination, a complete Initial Financial Assistance Application is required. Upon receipt of a completed Initial Financial Assistance Application, a determination of probable financial assistance eligibility will be made within two business days. A complete Financial Assistance Application is inclusive of, but not limited to, disclosure of household size, employment information, income, assets and other financial resources, outstanding financial obligations, and supporting documents (such as recent tax returns, bank statements and pay stubs), as detailed in the Financial Assistance Application and the associated instructions.  If documentation proving household income is not available, patients may call the hospital finance department at the phone number listed above to discuss other evidence demonstrating eligibility. Undocumented residents (non-U.S. citizens living as residents in the U.S.) and patients who are without a home address may apply for Financial Assistance. Failure to provide the required information and documentation in a timely manner may result in ineligibility for Financial Assistance.

Complete Financial Assistance Applications should be submitted to the hospital at the address listed above. A hospital finance representative will review the application for completeness. Financial Assistance determinations must be approved by the Facility Controller, and in certain circumstances, by the hospital CEO. The hospital will notify patients in writing of the decision on their eligibility under this policy.

Copies of this policy, a plain language summary of this policy, the Financial Assistance Application, and the associated instructions are available free of charge upon request. These documents can be found in the admitting/registration areas of the hospital and may also be downloaded at hospital’s website.

All patients will be offered a plain language summary of the Financial Assistance Policy during discharge or intake. Annually, the hospital will review and disseminate the availability of financial assistance in patient access site and other places within the community served by the hospital.

Billing statements will contain a written conspicuous notice informing patients about the availability of financial assistance, a telephone number where they may receive more information, as well as website address where the Financial Assistance Policy, application and plain language summary may be found.
 
Further information about this Financial Assistance Policy and assistance with the application process are available by calling Hospital Phone Number, or in person during normal business hours or by appointment from a hospital finance representative.

When a patient does not qualify for Financial Assistance under this policy but has special circumstances, other discounts may be available that are not part of this Financial Assistance Policy.  In these situations, hospital staff will review all available information (including documentation of income, liquid and illiquid assets, and other resources, amount of outstanding medical bills and other financial obligations) and make a case-by-case determination of the patient’s eligibility for other potential discounts.

Once a patient has been discharged and the patient’s balance due has been determined, the Billing Office will mail the patient monthly account statements and make phone calls in an attempt to collect the outstanding balance. If no payment has been received for 120 days, the account may be sent to a third-party collection agency.

The hospital, and any third parties acting on its behalf, do not engage in extraordinary collection actions such as lawsuits, liens, foreclosures, wage garnishment or reporting adverse information to credit agencies.

For additional information, please see the Billing and Collections Policy, which may be downloaded from hospital website. Copies are also available upon request, free of charge, by mail and in admitting/registration areas of the Hospital.

Nondiscrimination & emergency medical care

Hospital does not have a dedicated emergency department. The hospital will appraise emergencies, provide initial treatment, and refer or transfer an individual to another hospital/facility, when appropriate, without discrimination and without regard to whether the individual is eligible for Financial Assistance.

Hospital will not engage in actions that discourage individuals from seeking emergency medical care, such as demanding that an individual pay before receiving initial treatment for emergency medical conditions or permitting debt collection activities that interfere with hospital’s appraisal and provision, without discrimination, of such initial treatment.

read the full text documents

Billing and Collections

Amounts charged to a patient eligible for Financial Assistance under this policy will be based on the applicable discount stated in the table above multiplied by the gross charges otherwise billable to the patient, subject to the “AGB” limitation described below.

In accordance with Internal Revenue Code section 501(r), a patient eligible for Financial Assistance under this policy will not be charged more than the amount generally billed to individuals who have insurance covering such care (“AGB”).

Facility has initially elected to calculate AGB under the “prospective Medicare method” described in applicable Treasury Regulations, using the billing and coding process the Facility would use if the individual were a Medicare fee-for-service beneficiary and setting AGB for the care at the amount the Facility determines would be the total amount Medicare would allow for the care (including both the amounts that would be reimbursed by Medicare and the amount the beneficiary would be personally responsible for paying in the form of co-payments, co-insurance, and deductibles).

Financial Assistance Policy - Plain Language Summary

Our hospital provides free or discounted emergency and other medically necessary care to patients who are uninsured or underinsured and who qualify for assistance under its Financial Assistance Policy. Assistance does not apply to elective services or items that are solely for the comfort or convenience of a patient. This document is only a summary. Please refer to the Financial Assistance Policy for complete details.

Eligibility Requirements and Assistance Offered Under the Financial Assistance Policy

Patients who qualify for assistance are eligible for income/asset-based, sliding scale discounts for emergency and other medically necessary care. In general:

Patients whose family income is equal to or less than 200% of the Federal Poverty Guidelines are generally eligible for free emergency and medically necessary care. 
Patients whose family income is between 200% and 400% of the Federal Poverty Guidelines are generally eligible for a sliding scale discount ranging from 50% to 75% for emergency and other medically necessary care.

A patient who qualifies for assistance under the Financial Assistance Policy will not be charged more for emergency or medically necessary care than amounts generally billed to patients having insurance covering such care.

How to Obtain Copies of the Financial Assistance Policy and Financial Assistance Application

Copies of the Financial Assistance Policy, this plain language summary, and the Financial Assistance Application and associated instructions are available free of charge upon request. Copies can also be found in the admitting/registration areas of the hospital. These documents may be found online at the website provided above. Translations of these documents to Spanish are available upon request from our hospital and also may be found online at website address above.  

How to Apply for Assistance Under the Financial Assistance Policy

To apply for a financial assistance probable determination, please submit an Initial Financial Assistance Application to the address above. Upon receipt of a completed Initial Financial Assistance Application, the hospital will make a probable financial assistance eligibility determination within two business days. If the hospital determines that financial assistance eligibility is probable and the patient wishes to pursue this option, a complete Financial Assistance Application must be submitted to the address above and will be reviewed in order to make a final determination on eligibility for financial assistance.

Further information about the Financial Assistance Policy and assistance with the application process are available from the hospital controller via phone number listed above or in person at the address above.

read the full text documents

Instructions - Financial Assistance Application

Section A – Patient and Guarantor Information

Patient Name: Clearly print on the blank line the first name, middle initial, and last name of the patient.
Date: Clearly print on the blank line the date of the application.
Guarantor: Clearly print on the blank line the first name, middle initial, and last name of the patient’s parent, legal guardian or other responsible person (“guarantor”).
Relationship: Clearly print on the blank line the relationship to the patient of the guarantor.
Address: Clearly print on the blank line the address where the patient lives including the city, state and zip.
Phone: Clearly print on the blank line the patient’s phone number.
Patient’s Employer: Clearly print on the blank line the name of the company for which the patient works.
Title: Clearly print on the blank line the job title of the patient.
Years Employed: Clearly print on the blank line the start date of employment.
Spouse’s Name: Clearly print on the blank line the first name, middle initial, and last name of the patient/guarantor’s spouse.
Spouse’s Phone: Clearly print on the blank line the patient’s phone number.
Spouse’s Employer: Clearly print on the blank line the name of the company for which your spouse works.
Title: Clearly print on the blank line the job title of your spouse.
Years Employed: Clearly print on the blank line the start date of employment of your spouse.
Length of Time at Current Residence: Clearly print on the blank line the dates you have lived at the address provided on the application.
Total number of Dependents: Clearly print on the blank line the number of dependents in your household, including yourself. Dependents are those that generally qualify as your dependent for federal income tax purposes.
Health Insurance Provider: Clearly print on the blank line the name of your health insurance carrier (including Medicare, Medicaid or other governmental coverage you may have).
Policy number: Clearly print on the blank line the policy or account number of your insurance policy.

Section B – Assets

Total Household Income: Clearly print the assets of your household (yourself, your spouse, and dependents). You may attach additional sheets of paper if more space is needed. Provide the cash value as well as any loans or obligations you have on that asset

If your household has assets that you do not see listed, please indicate that amount on the line for “Other” and provide a description.
Assets include, but are not limited to savings and checking accounts, medical savings accounts, healthcare savings accounts, flexible spending accounts, trusts, retirement accounts, investment assets, other liquid assets, real estate (other than primary residence), benefits from charity organizations, pending or finalized litigation settlements, etc.
Years Employed: Clearly print on the blank line the start date of employment.
Spouse’s Name: Clearly print on the blank line the first name, middle initial, and last name of the patient/guarantor’s spouse.
Spouse’s Phone: Clearly print on the blank line the patient’s phone number.
Spouse’s Employer: Clearly print on the blank line the name of the company for which your spouse works.
Title: Clearly print on the blank line the job title of your spouse.
Years Employed: Clearly print on the blank line the start date of employment of your spouse.
Length of Time at Current Residence: Clearly print on the blank line the dates you have lived at the address provided on the application.
Total number of Dependents: Clearly print on the blank line the number of dependents in your household, including yourself. Dependents are those that generally qualify as your dependent for federal income tax purposes.
Health Insurance Provider: Clearly print on the blank line the name of your health insurance carrier (including Medicare, Medicaid or other governmental coverage you may have).
Policy number: Clearly print on the blank line the policy or account number of your insurance policy.

Section C – Income
Total Household Income: Clearly print the income your household (yourself, your spouse, and dependents) receives from all sources. You may attach additional sheets of paper if more space is needed. Provide the gross amounts and the amounts received after taxes and other deductions.

If your household receives income from a source that you do not see listed, please indicate that amount on the line for “Other” and provide a description.
Sources of income include, but are not limited to wages, tips, social security payments, retirement benefits, unemployment, workers’ compensation, veteran benefits, public assistance, alimony, child support, pensions, insurance or annuity contracts, investment income, etc.

Section D – Debts and Obligations

Total Household Debts and Obligations: Clearly print the debts and obligations of your household (yourself, your spouse, and dependents). You may attach additional sheets of paper if more space is needed. Provide the total amount of the liability and the monthly payment amounts.

If your household has debts or obligations that you do not see listed, please indicate that amount on the line for “Other” and provide a description.
If your household has debts or obligations that are not paid by you every month, take the total amount due during the past 12 months, divide it by 12, and then indicate that amount on the application.
Sources of debts and obligations include, but are not limited to real estate mortgages, household utility bills, telephone, food, automobile loans, charge and credit accounts, other loans, etc.

Section E – Required Documentation

The documents listed in this section are needed to help us determine if you qualify for financial assistance under our Financial Assistance Policy. If you do not have, or cannot produce the items listed, please include an explanation as to why. Please note that additional information or documentation may be requested by a Hospital representative when processing your application.

Section F – Certification

Patient/Guarantor’s Signature: Carefully read the acknowledgement statement in this section and then sign and date the application.

Mailing Instructions/Contact Information

Submit the completed Financial Assistance Application along with supporting documentation to the hospital’s address.

Further information about the Financial Assistance Policy or assistance with the application process are available from the hospital controller via the hospital phone number, in person at the hospital address or online at the website address. Certain foreign language translations of the Financial Assistance Policy, Plain Language Summary, Financial Assistance Application and Instructions are available upon request.

Provider/Physician Listing

Services may be provided in Encompass Health Rehabilitation Hospital of Salisbury by the hospital as well as by other health care practitioners, who may or may not participate with the same health insurers or health maintenance organizations (HMOs) as Encompass Health Rehabilitation Hospital of Salisbury and who may bill you separately. These providers are encouraged, but not required, to follow the financial assistance policy of Encompass Health Rehabilitation Hospital of Salisbury. You should contact the health care practitioner who will provide services to you to determine which health insurers and HMOs the practitioner participates in as a network provider or preferred provider. Contact information for practitioners who may provide services to you during your stay at Encompass Health Rehabilitation Hospital of Salisbury is provided below.

You may request from Encompass Health Rehabilitation Hospital of Salisbury and other health care providers a personalized estimate of reasonably anticipated charges for the treatment of your specific condition.

This listing is updated quarterly and additional providers or physicians may be added and/or presented under an alternate name that may be different from what is listed below. Please call us directly so that we can assist you with the most current and accurate information.

 

Last Name	First Name	Specialty	Address	City	St	ZIP	Phone
Bell	Heather	Infectious Disease	2575 Northwinds Pkwy	Alpharetta	GA	30009	678.690.7345
Bertagnolli	Reono	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Brackin	George	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Brooks	Glenwood	Psychology/Neuropsychology	220 Tilghman Road	Salisbury	MD	21804	410.546.4600
Clarke	Nattile	Nurse Practitioner	914-A Eastern Shore Dr	Salisbury	MD	21804	410.546.1331
Collins	James	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
David	Giovanni	Physical Medicine Rehab	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
DePorter	Adam	Physician Assistant	220 Tilghman Rd	Salisbury	MD	21804	410.219.5530
Ennis	William	Physician Assistant	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
Huang	Benjamin	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Jimenez	Santiago	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Keplinger	Linda	Nurse Practitioner - Consulting	914-A Eastern Shore Dr	Salisbury	MD	21804	410.546.1331
Khan	Kazi	Nephrology	1821 Sweetbay Dr Suite 1	Salisbury	MD	21804	410.546.4427
Kriegisch	Valerie	Physician Assistant	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
Loveless	Scott	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Martin	Nichole	Physician Assistant	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
Meyermann	Mark	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Natesan	Usha	Internal Medicine	951 A Mount Herman Road	Salisbury	MD	21804	410.749.4400
Natesan	Velmourougane	Internal Medicine	951 A Mount Herman Road	Salisbury	MD	21804	410.749.4400
Newman	Jack	TeleCardiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Nguyen	David	TeleRadiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Parmar	Mandip	Physical Medicine Rehab	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
Rosner	Howard	TeleCardiology - Rely Radiology	1620 Northwest Blvd Ste 202	Coeur d'Alene	ID	83814	208.292.4323
Satyal	Sharad	Internal Medicine	914-A Eastern Shore Dr	Salisbury	MD	21804	410.546.1331
Sterling	Carrie	Nurse Practitioner - Consulting	1821 Sweetbay Dr	Salisbury	MD	21804	410.546.4427
Stewart	LaToya	Nurse Practitioner	220 Tilghman Rd	Salisbury	MD	21804	410.219.5530
Vohra	Yogesh	Internal Medicine	914-A Eastern Shore Dr	Salisbury	MD	21804	410.546.1331
Zorn	Gunnar	Physical Medicine Rehab	100 E Carroll St Ste 400	Salisbury	MD	21801	410.543.7065
Zorn	Devon	Physical Medicine Rehab	220 Tilghman Rd	Salisbury	MD	21804	410.219.5530

Attachment B – 2023 Financial Assistance Discount Guidelines

Amounts charged to a patient eligible for Financial Assistance under this policy will be based on the applicable discount stated in the table above multiplied by the gross charges otherwise billable to the patient, subject to the “AGB” limitation described below.

In accordance with Internal Revenue Code section 501(r), a patient eligible for Financial Assistance under this policy will not be charged more than the amount generally billed to individuals who have insurance covering such care (“AGB”).

Facility has initially elected to calculate AGB under the “prospective Medicare method” described in applicable Treasury Regulations, using the billing and coding process the Facility would use if the individual were a Medicare fee-for-service beneficiary and setting AGB for the care at the amount the Facility determines would be the total amount Medicare  would allow for the care (including both the amounts that would be reimbursed by Medicare and the amount the beneficiary would be personally responsible for paying in the form of co-payments, co-insurance, and deductibles).

Discount provided		100% discount	75% discount	50% discount
Family size	Federal poverty guideline*	Income less than or equal to 200% of FPG	Income of 201%-300% of FPG	Income of 301%-400% of FPG
1	$14,580	$0 - $29,160	$29,161 - $43,740	$43,741 - $58,320
2	$19,720	$0 - $39,440	$39,441 - $59,160	$59,161 - $78,880
3	$24,860	$0 - $49,720	$49,721 - $74,580	$74,581 - $99,440
4	$30,000	$0 - $60,000	$60,001 - $90,000	$90,001 - $120,000
5	$35,140	$0 - $70,280	$70,281 - $105,420	$105,421 - $140,560
6	$40,280	$0 - $80,560	$80,561 - $120,840	$120,841 - $161,120
7	$45,420	$0 - $90,840	$90,841 - $136,260	$136,261 - $181,680
8	$50,560	$0 - $101,120	$101,121 - $151,680	$151,681 - $202,240

* For family units with more than 8 persons, add $5,140 for each additional person.