Compare Cost of Care
Some independent organizations have created websites intended to help consumers get a better understanding of how hospital charges may differ from one hospital to another.
These websites currently use total gross charges that an insurance company will be billed as the basis of comparison. Some also include basic examples of what your total cost might be based on your insurance type.
Because of the variation in actual charges between different patients and different insurance plans, it is best to contact your insurance plan, if you are insured, to understand how much your insurance will cover and how much you will be expected to pay.
Visit the Hospital Price Report from the Department of Regulatory Agencies which compares Colorado hospital prices for 25 common inpatient medical conditions and surgical procedures.
Our Patient Pricing Center
Our Patient Pricing Center offers a personal, convenient way to learn about your specific healthcare charges before being admitted to the hospital. You have several options to receive an estimate for any service or procedure at the SCL Health System hospitals in Denver:
- Good Samaritan Medical Center
- Lutheran Medical Center
- Saint Joseph Hospital
Contact a Patient Pricing Center representative by calling 303-272-0999.
When calling, please provide:
- Your name and address
- Insurance carrier (if applicable)
- Physician's name
- Description of the procedure
- Whether you are having the procedure performed on an inpatient or outpatient basis
- Which hospital you will receive treatment
Within two business days, we will call you with the high, low and average hospital "gross charges" for your particular test, procedure or service. We provide this range because hospital charges can vary as the result of your specific medical condition, and the procedures, supplies and services needed for your care. For example, some surgeries may take longer and some people may need more medications than others. Hospital charges are likely much higher than our expected payment.
If you are insured, your insurance company has probably negotiated a discount with us. If you are not insured we will offer you a discount.
The price estimate you receive will be for hospital charges. It will not include physician fees. Although we want our charge information to be accessible, note that what will most likely be of greatest importance to you is your personal, "out of pocket" payment. If you have health insurance, your insurance company will likely pay a large portion of these costs, although you will be responsible for any co-pays and deductibles. If you have health insurance, it is best to contact your insurance plan to understand how much your insurance will cover and how much you will be expected to pay.
What is probably most important to you about the cost of your care is the amount you need to pay out of your own pocket. You may obtain an estimate of the likely payment for your hospitalization in several ways.
An Estimate from Our Patient Payment Center
You can contact your insurance company for an estimate based on your specific plan. These payment estimates do not include physician fees. Any physician involved in your care will bill you separately. You should also know that the actual price charged for your procedure may vary from the estimate, based on pre-existing health conditions, your particular case, the actual procedure that is performed, and on your insurance carrier, since different insurers have negotiated different rates and discounts with the hospital.
The portion of your bill that is your personal responsibility is known as your "out-of-pocket" expense. Out-of-pocket expenses are different for different patients and depend on who your insurer is, what your "co-pay" is and what your "deductible" is. To learn what your own out-of-pocket expenses are likely to be, simply call the customer service representatives at your insurance company.
For a directory of Insurance Plan websites, click here.
If you have Medicare, your coinsurance will vary depending on the procedure. Please contact Medicare to determine this amount. If you have another insurer, please check your health plan policy or contact your insurer to determine your deductible.