Payment and Financial Information
Our Financial Advocates can help you understand the cost of your care, navigate the billing process and offer an appropriate plan for payment options. To reach a Lake Health Financial Advocate, call 440-602-6682.
We understand that health care can result in unexpected expenses, so we offer as many payment options as possible, including:
- Check/money order
- Debit card
- Credit card: Visa, MasterCard, Discover and American Express
- Bank financing
Other options we can discuss with you include government assistance programs and our Care Assurance program. Both of these programs are based on financial need.
It is our policy that you will be treated fairly and with respect regardless of your ability to pay for the services you received.
- We will provide counseling to all uninsured patients, including help in understanding and applying for local, state and federal healthcare programs such as Medicaid and the Health Care Assurance Program (HCAP).
- If you don’t have third party health care coverage (governmental or private), we’ll help you apply for charge reductions through the Lake Health Assist program.
- If you don’t qualify for the Lake Health Assist program, you’ll be offered a prompt pay discount.
- We also provide reasonable, interest-free payment plans.
For assistance or questions, please contact Financial Services at 440-354-1640.
We’re committed to treating all of our patients with care and respect, regardless of their ability to pay. To support this mission, Lake Health has established a Financial Assistance Program for patients who are uninsured and who meet certain eligibility criteria. Through this program, Lake Health provides discounts on hospital bills for these patients.
What financial assistance is available?
Ohio Hospital Care Assurance Program (HCAP)
As a participant in the HCAP program, we offer emergency and other medically necessary hospital-level services free of charge if you are a resident of Ohio and either (1) you are currently an eligible recipient of the General Assistance or the Disability Assistance Programs or (2) your income is at or below 100% of the Federal Poverty Guidelines (FPG).
Lake Health Assist
In addition to HCAP, Lake Health has a Financial Assistance Policy called Lake Health Assist. This provides financial assistance for emergency and other medically necessary care discounted from our normal charges if you are an uninsured Ohio resident and your income does not exceed four times the Federal Poverty Guidelines (FPG). All applicants will be screened for Medicaid coverage and must cooperate with the Medicaid representatives to be eligible for assistance under our Financial Assistance Policy. The Financial Assistance Policy does not apply to non-Ohio residents, individuals with insurance, Medicaid or Medicaid PE. If you are eligible for financial assistance under our Financial Assistance Policy, you will receive free or other discounted assistance according to the scale below. Payment of the full balance is not required prior to receiving the discount; after a financial assistance discount is applied, the remaining balance will be billed to the patient.
What discounts may be applied?
Income as compared to Federal Poverty Guidelines (FPG):
Amount of discount:
Discounted to Medicare Payment Rate
How can patients apply for financial assistance?
If you have a representative or family member filling out a financial aid application on your behalf, you will need to complete and return the HIPAA Authorization Form to authorize Lake Health to speak with this person. You may obtain a copy of our Policy and the HCAP and Financial Assistance Applications at the following locations:(i) on this page as a downloadable PDF; (ii) in our admission packet; (iii) in our Emergency Departments; or (iv) in the Financial Counselor’s Office. In addition, if you provide your mailing address to a financial counselor during financial counseling, we will mail you a copy of our Financial Assistance Policy, HCAP Application and Financial Assistance Application free of charge.
1. The following steps may be used by Lake Health to determine if an individual is eligible for consideration under the Financial Assistance Policy:
- A financial counselor may discuss with the patient his/her individual financial position and obtain from the patient information regarding his/her finances. This information will be recorded on the Financial Assistance Application. Patients must sign and complete the Financial Assistance Application in order for it to be evaluated and processed.
If the patient qualifies, the financial counselor will work to get the patient’s financial counseling appointment scheduled. The patient will be notified of qualification of assistance, the level of assistance provided or ineligibility.
- Any financial assistance will apply to all services received by the patient during the month in which Lake Health received the Application for Financial Assistance. An eligibility review will be conducted and a new application will be requested for services outside the dates of approval.
- If individuals request information regarding financial assistance by phone or email, Lake Health will mail the Financial Assistance Application to the patient or direct them to Lake Health’s website for an online version.
2. Any individual wishing to make application for financial assistance with Lake Health will be given a Financial Assistance Application, which includes written instructions on how to apply.
- The applicant must fill out a financial disclosure form and provide documentation of proof of income.
- The applicant must provide evidence of income such as W-2 withholding statements, paycheck stubs, income tax return, forms from Medicaid or other state-funded medical assistance, forms from employers or welfare agencies.
- The applicant may provide proof that the applicant has other circumstances that indicate financial hardship. Examples include proof of bankruptcy settlement, catastrophic situations (death or disability in family, divorce) or other documentation that shows the patient would be unable to pay medical bills and still be able to pay for other basic necessary expenses.
- Income shall be annualized from the date of the request, based on the documentation provided and upon verbal information provided by the patient. The annualized amount will also take into consideration seasonal employment and temporary increases and/or decreases to income.
- If there is a discrepancy between two sources of information, Lake Health may request additional information to support the documentation.
3. An individual has up to two hundred forty (240) days after the issuance of the first billing statement to submit an Application for Financial Assistance. Please note, however, that after the first one hundred twenty (120) days after the issuance of the first billing statement, Lake Health may begin extraordinary collection actions. A Financial Assistance Application is not “submitted” until it is Received and is complete (i.e. does not require any additional information). A Financial Assistance Application is “received” when it arrives at Lake Health’s Financial Counselor’s department. If the application is complete when it is received, it will be deemed submitted. If an Application is incomplete or requires additional information,Lake Health shall notify the applicant and allow for the applicant to complete or provide the requested additional information. Any such additional information must be received within two hundred forty (240) days after the first billing statement has been issued. Only when the application is complete, with any requested additional information if applicable, and received by Lake Health’s Financial Counselor, is the application deemed “submitted.”
4. Consideration for financial assistance will not occur until the applicant has completed the Financial Assistance Application and provided all supporting documentation. Admission/treatment, if deemed medically appropriate, may be deferred until the application process is complete.
5. Lake Health will use its best efforts to determine whether the individual is eligible for assistance within 30 days of receipt of a completed Financial Assistance Application.
- In the event the individual is eligible for partial waiver of the bill, any remaining balance will still be the responsibility of the patient, and Lake Health will engage in collection efforts.Please note, the patient’s responsibility does not need to be paid in full in order to qualify for the Charity Discount under Lake Health Assist.
6. Lake Health will not waive or apply a discount to any fee that is deemed to be the patient’s responsibility unless an “exception” applies. Such “exceptions” are outlined below:
- The entire fee is waived and no insurance carrier is billed any amount for the service rendered.
- The patient is a self-pay with no health insurance benefits.
- The patient qualifies for a fee waiver or discount after submission of a completed Financial Assistance Application and supporting documentation. Such information must be included in the patient’s medical record and financial/billing records.
7. Any denial of a waiver or discount will be communicated to the patient in writing. If additional documentation of financial need is received and it may qualify the patient for a financial hardship, the additional information should be reviewed and considered in accordance with this policy.
- Patients who are able to pay for services and are therefore not eligible for financial assistance under this policy may be asked to pay a deposit equal to a percentage of the estimated patient responsibility for either the elective inpatient or outpatient services, prior to being scheduled, and to make arrangements for a payment plan to pay for the remaining balance after services are provided.
8. All information relating to financial hardship requests will be kept confidential.
Learn more about the Financial Assistance Program in these downloadable materials:
Where can I get more information or have a question answered?
Our Financial Assistance Counselors are ready to help!
Get help understanding the cost of your care
For more information about the cost of your care or if you are uninsured or underinsured or cannot pay your bill in full, please call Lake Health Patient Financial Counseling at 440-602-6682.
Price transparency is one of the most discussed topics in modern health care. Since it can be difficult to determine exactly what treatment a person might need until tests and examinations are complete, it can be a challenge to estimate total cost to the patient. Even when it is possible for a patient to get an estimate, the complexity of the health care jargon associated with price can make the answer difficult to decipher. The Center for Health Affairs developed a Q & A to help demystify the most common questions pertaining to hospital pricing and covers topics such as commonly used pricing terminology, the reasons behind price differences and the importance of considering quality.
Know what you’re paying
In compliance with federal and state law, we provide a comprehensive list of charges for each inpatient and outpatient service or item provided by a hospital, also known as a chargemaster, along with an abbreviated price list for our most common procedures. These are not helpful tools for patients to comparison shop between hospitals or to estimate what health care services are going to cost them out of their own pocket. View procedure pricing for Beachwood Medical Center.
Average Charges for Diagnosis Related Groups (DRG)
Lake Health provides Diagnosis Related Group (DRG) information that contains the numeric code, description, and average total charges (in USD) for inpatient services associated with each case. Each DRG represents the reason for the admission or procedure done during an inpatient hospital stay at Lake Health. These averages are based on 2019 cases.
Pricing transparency is important to help our patients understand their health care costs. Our price estimator gives you an estimate of the out-of-pocket costs based on your insurance plan and the procedure requested. This tool may not represent all services offered by Lake Health; if you are unable to find a specific service, please call us at 440-354-1640.
Get estimated costs for services such as:
- Cardiac services
- Imaging exams such as CT scans, MRI, mammograms and x-rays
- Inpatient care
- Lab tests
- Surgical procedures
If you have concerns about the estimated cost of care, please reach out to our Lake Health Financial Advocates at 440-602-6682. Our Financial Advocates can help you understand the cost of your care, navigate the billing process, offer an appropriate plan for payment options, or discuss government assistance programs and our Care Assurance program (based on financial need).
Lake Health complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex. Lake Health does not exclude people or treat them differently because of race, color, national origin, age, disability or sex.
Lake Health provides free aids and services to people with disabilities to communicate effectively with us, such as:
- Qualified sign language interpreters
- Written information in other formats (large print, audio, accessible electronic formats, other formats)
Lake Health provides free language services to people whose primary language is not English, such as:
- Qualified interpreters
- Information written in other languages
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If you believe that Lake Health has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Compliance Officer, Lake Health, 7590 Auburn Road, Concord, Ohio, 44094; 440-354-1121, Fax: 440-375-8745, Email: Privacy-Compliance@lakehealth.org. You can file a grievance by mail, fax or email. If you need help filing a grievance, staff members are available to help you. You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office of Civil Rights electronically through the Office of Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW, Room 509F, HHH Building, Washington, DC 20201, 1-800-868-1019, 800-537-7697 (TDD).
This notice describes how medical information about you may be used and how you can get access to this information. Please review it carefully.
The terms of the Notice of Privacy Practices apply to Lake Health, operating as a clinically integrated health care arrangement composed of TriPoint Medical Center; West Medical Center; all walk-in and diagnostic centers; Mentor, Madison, Chardon and Willowick campuses, Home Health, Skilled Nursing Rehabilitation Unit, Physical Therapy sites, Lake Health Physician Group, the physicians and other licensed professionals seeing and treating patients at each location, and the Lake Health medical staff. All of the entities and persons listed will share your personal health information as necessary to carry out treatment, payment and health care operations as permitted by law.
Lake Health is required by law to maintain the privacy of your personal health information and to provide you with notice of Lake Health legal duties and privacy practices with respect to your personal health information. We are required to abide by the terms of this Notice so long as it remains in effect. We reserve the right to change the terms of this Notice as necessary and make the new Notice effective for all personal health information maintained by Lake Health. You may receive a copy of any revised notices at any of the above listed locations or by mailing a request to Privacy Office, Lake Health, 7590 Auburn Road, Concord Township, OH 44077.
Uses and disclosures of your personal health information
Your Authorization. Except as outlined below, Lake Health will not use or disclose your personal health information for any purpose unless you have signed a form authorizing the use or disclosure. You have the right to revoke that authorization in writing unless Lake Health has acted in reliance on the authorization.
Use and Disclosures for Treatment. Lake Health will make uses and disclosures of your personal health information as necessary for your treatment. For instance, doctors, nurses and other professionals involved in your care will use information in your medical record and information that you provide about your symptoms and reactions to plan a course of treatment for you that may include procedures, medications, tests, etc. Lake Health may also release your personal health information to another health care facility or professional who is not affiliated with this organization but who is or will be providing treatment to you. For instance, if after you leave the hospital you are going to receive home health care, Lake Health may release your personal health information to that home health agency so that a plan of care can be prepared for you.
Uses and Disclosures for Payment. Lake Health will make uses and disclosures of your personal health information as necessary for the payment purposes of those health professionals and facilities that have treated you or provided services to you. For instance, we may forward information regarding your medical procedures and treatment to your insurance company to arrange payment for the services provided to you, or we may use your information to prepare a bill to send to you or the person responsible for your payment.
Facility Directory. Lake Health maintains a facility directory listing the name, room number, general condition and, if you wish, your religious affiliation. Unless you choose to have your information excluded from this directory, the information (excluding your religious affiliation) will be disclosed to anyone who requests it by asking for you by name. This information, including your religious affiliation may also be provided to members of the clergy. You have the right during registration to have your information excluded from this directory and to restrict what information is provided and/or to whom.
Family and Friends Involved in Your Care. With your approval, Lake Health may from time to time disclose your personal health information to designated family, friends and others who are involved in your care or in payment of your care in order to facilitate that person’s involvement in caring for you or paying for you care. If you are unavailable, incapacitated or facing an emergency medical situation and it is determined that a limited disclosure may be in your best interest, limited personal health information may be shared with such individuals without your approval. Lake Health may also disclose limited health information to a public or private entity that is authorized to assist in disaster relief efforts in order for that entity to locate a family member or other persons that may be involved in some aspect of caring for you.
Business Associates. Certain aspects and components of Lake Health services are performed through contracts with outside persons or organizations, such as auditing, accreditation, legal services, etc. At times, it may be necessary to provide certain of your personal health information to one or more of these outside persons or organizations who assist with Lake Health health care operations. In all cases, these business associates are required to appropriately safeguard the privacy of your information.
Fundraising. Lake Health may contact you to donate to a fundraising effort for or on Lake Health’s behalf. You have the right to opt out of receiving fundraising materials/communications and may do so by sending your name and address to Lake Health Foundation together with a statement that you do not wish to receive fundraising materials or communications from Lake Health or the Foundation.
Appointments and Services. Lake Health may contact you to provide appointment reminders or test results. You have the right to request to receive communications regarding your personal health information from us by alternative means or at alternative locations. We will accommodate reasonable requests by you. For instance, you may wish appointment reminders not to be left on voice mail or sent to a particular address. You may request such confidential communication in writing. Request forms may be obtained from registration at any facility and at Lake Health offices.
Research. In limited circumstances, Lake Health may use and disclose your personal health information for research purposes. For example, a research organization may wish to compare outcomes of all patients who received a particular drug and will need to review a series of medical records. In all cases where your specific authorization has not been obtained, your privacy will be protected by strict confidentiality requirements applied by 1) the Institutional Review Committee which oversees the research or 2) by representations of the researchers that limit their use and disclosure of patient information.
Confidentiality of Alcohol and Drug Abuse Patient Records. The confidentiality of alcohol and drug abuse patient records maintained by Lake Health is protected by federal law and regulations. Generally, Lake Health may not disclose any information identifying you as an alcohol or drug abuser unless: 1) you consent in writing; 2) the disclosure is allowed by a court order; or 3) the disclosure is made to medical personnel in a medical emergency or to qualified personnel for research, audit or program evaluation.
Other Uses and Disclosures. Federal law and regulations do not protect any information about a crime committed by you either at Lake Health, or against any person who works for Lake Health, or about any threat to commit such a crime. Federal laws and regulations do not protect any information about suspected child or elder abuse or neglect from being reported under state law to appropriate state or local authorities. Lake Health is permitted or required by law to make certain other uses and disclosures of your personal health information without your consent or authorization:
- For any purpose required by law.
- For public health activities, such as required reporting of disease, injury, and birth and death, and for required public health investigations.
- For suspected child abuse or neglect; or if there is suspicion that you may be a victim of abuse, neglect or domestic violence.
- To the Food and Drug Administration if necessary to report adverse events, product defects, or to participate in product recalls.
- To your employer when Lake Health has provided health care to you at the request of your employer to determine workplace-related illness or injury; in most cases you will receive notice that information is disclosed to your employer.
- To a government oversight agency conducting audits, investigations, or civil or criminal proceedings.
- If required to do so by a court or administrative ordered subpoena or discovery requests; in some cases you will have notice of such release.
- To law enforcement officials as required by law to report wounds and injuries and crimes.
- To coroners and/or funeral directors consistent with the law.
- If necessary to arrange an organ or tissue donation from you or a transplant for you.
- In limited circumstances if a serious threat to health or safety is suspected.
- If you are a member of the military as required by armed forces services; or if necessary for national security or intelligence activities.
- To workers’ compensation agencies if necessary for your workers’ compensation benefit determination.
Lake Health may release your personal health information in accordance with any state laws that are more restrictive or limiting than federal privacy regulations. Ohio law requires that we obtain a consent from you before disclosing your personal health information to the Long Term Health Ombudsman regarding your stay in our short-term rehabilitation facility or disclosing the performance or results of an HIV test or diagnosis of AIDS or an AIDS-related condition.
Rights that you have
Access to Your Personal Health Information. You have the right to a copy and/or inspect much of the personal health information that Lake Health retains on your behalf. All requests for access must be made in writing and signed by you or your representative. You may obtain a form from the Health Information Management Department and Lake Health offices.
Amendments to Your Personal Health Information. You have the right to request in writing that personal health information that Lake Health maintains be amended or corrected. Lake Health is not obligated to make all requested amendments but will give each request careful consideration. All amendment requests, in order to be considered by Lake Health and/or Lake Health must be in writing, signed by you or your representative, and must state the reasons for the amendment/correction request. If a requested amendment or correction is made by Lake Health and/or Lake Health, notification may be made to others who work with us and have copies of the uncorrected record if such notification is necessary. You may obtain an amendment request form from the Health Information Management Department and Lake Health offices.
Accounting for Disclosures of Your Personal Health Information. You have the right to receive an accounting of certain disclosures made by Lake Health of your personal health information after April 14, 2003. Requests must be made in writing and signed by you or your representative. Accounting forms are available from the Lake Health Health Information Management Department and Lake Health offices. The first accounting in any 12-month period is free; you will be charged a fee of $25 for each subsequent accounting in the 12-month period.
Restrictions on Use and Disclosure of Your Personal Health Information. You have the right to request restrictions on certain of Lake Health uses and disclosures of your personal health information for treatment, payment or health care operations. A restriction request form can be obtained from Lake Health Registration, Health Information Management Department or Lake Health offices. Lake Health is not required to agree to your restriction request but will attempt to accommodate reasonable requests when appropriate. Lake Health retains the right to terminate an agreed-to restriction if it is believed such termination is appropriate. In case of the termination by Lake Health and/or Lake Health, you will be notified of such termination. You also have the right to eliminate, in writing or orally, any agreed-to restriction.
Complaints. If you believe your privacy rights have been violated, you can file a complaint with any team member, supervisor or Lake Health Privacy Officer by mail or by telephone. You may also file a complaint with the Secretary of the U.S. Department of Health and Human Services in Washington D.C. in writing within 180 days of a violation of your rights. There will be no retaliation for filing a complaint.
Acknowledgment of Receipt of Notice. You will be asked to sign an acknowledgment form that you received the Notice of Privacy Practices.
For further information
If you have questions or need further assistance regarding this Notice, you may contact the Lake Health Privacy Officer by telephone at 440-354-1999 or by mail at Lake Health, 7590 Auburn Road, Concord Township, OH 44077.
As a patient, you retain the right to obtain a paper copy of this Notice of Privacy Practices, even if you have requested a copy by e-mail or other electronic means.
This notice of Privacy Practices is effective April 14, 2003.
Lake Health Resource Center/Library
Accurate, reliable information is vital for making good health care decisions. To help you be an informed partner in your own care, our team provides trusted resources and tools for exploring health-related information.
The Carol DeJoy Lake Health Patient and Community Resource Center, located inside TriPoint Medical Center, provides easy access to trustworthy, current health information. Our professional librarians can conduct research and choose resources (such as books, articles and DVDs) for you on topics such as heart disease, pregnancy, nutrition, cancer, diabetes, arthritis, mental health and much more. The Library staff is also happy to help patients, families and community members at the West Medical Center Library/Resource Center.
24/7 access to our librarians
Please note: the Lake Health Resource Center dispenses information, not medical advice. This information is not to be used in an emergency, to diagnose, to treat a medical problem, or to replace a visit to your doctor.
While there is a wealth of health-related information available online, not all material is credible or up to date. We recommend these trusted health information websites for online research.
In addition, we invite you to explore these dictionaries and encyclopedias, drug and supplement information and interactive health tools.
- English Dictionary Online (also links to foreign language dictionaries)
- Medical Encylopedia from Medline Plus en Espanol
- Deciphering Medspeak from the Medical Library Association
- Drugs, Herbs and Supplements
- Drug, Supplement and Herbal en Espanol
- MedlinePlus Health Videos
- Self Assessment and Risk Assessment Tools en Espanol
- Healthfinder.gov MyHealthFinder
Lake Health’s blog also offers helpful information and healthy tips.