Paying for care at Mount Sinai

Top Frequently Asked Questions

• How can I find out whether a doctor at Mount Sinai Health System takes my insurance?

  You should contact your doctor's office directly to confirm whether your insurance is accepted. You can also check Mount Sinai's Find a Doctor feature to find out whether a particular doctor accepts your insurance. You can learn more about the health plans our hospitals participate in by visiting our hospital Insurance Information page.
• I have insurance, so why am I receiving a bill from Mount Sinai?

  You are responsible for paying any costs that your insurance company does not cover, including items like your copay, deductible, and other non-covered charges. Unless prior arrangements were made, you receive a bill after the costs associated with your visit have been processed by your insurance company.
  
  The amount you are billed is based on what your insurance communicates to us in an Explanation of Benefits (EOB). If you do not have insurance and believe you cannot afford to pay, consult our financial assistance policy.
• I received an Explanation of Benefits (EOB). Why am I also receiving a bill from Mount Sinai?

  Your EOB is different from your Mount Sinai bill. Your Explanation of Benefits summarizes the services you received, the associated costs, and how much your insurance carrier paid. You receive a bill from Mount Sinai after costs associated with your visit are processed by your insurance. You are responsible for paying any costs that your insurance company does not cover.
  
  Your health insurer sends the EOB to help you track your expenses and the limits of your plan (e.g., your deductible, your out-of-pocket maximum, etc.).
• Why does my Explanation of Benefits (EOB) not match my Mount Sinai bill?

  There are several reasons why the amount you owe on your EOB might not match your Mount Sinai bill. Generally speaking, your EOB should match your bill, unless your insurance company does not cover certain services.
  
  These can include, but are not limited to:
  
  

  • Your EOB is combining several visits together, while Mount Sinai bills for each individual visit.
  • You elected for a private room during your hospital stay that your insurance did not cover.
  • You elected for cosmetic or other non-medical services that were not covered by your insurance carrier.
  • Your insurance carrier did not cover the NYS Surcharge and you are responsible for paying this tax.

  
  Please contact the customer service phone number on your bills if you have any questions
• What if I disagree with my balance or the charges on my statement?

  We're happy to speak with you about any billing details or questions you might have. Please contact the phone number listed on your bill to speak with our Customer Service team.
• Why am I getting a bill from a physician I never saw?

  You may receive bills from physicians you did not see in person if you have certain tests or treatments in the hospital. These bills are for the professional services doctors provided in diagnosing and interpreting test results while you were a patient.
  
  If you were seen by pathologists, cardiologists, anesthesiologists, radiologists, emergency room doctors, or other specialists, they are required to submit separate bills. Please contact the phone number listed on your bill if you have any questions.
• Why am I receiving multiple bills from Mount Sinai?

  When you receive care at Mount Sinai, depending on the services rendered, you may receive more than one bill. For example, if you have a visit with one of our physicians and you also have blood drawn for lab tests, you may receive a bill from your physician and a separate bill from the lab. If you receive care at one of our hospitals, a physician office, or clinic located at one of our hospital sites, you may also receive more than one bill: one from the hospital and others from the doctors or specialists who treated you.
  
  The hospital bills for charges related to services, supplies, equipment, or room used during your stay (this is known as the technical or facility bill). The physicians caring for you bill for charges related to their professional services and/or interpretation of tests (this is known as the professional bill).
  
  You are receiving multiple bills because we are required to bill your insurance separately for professional and technical components of your care. Please contact the customer service phone number on your bills if you have any questions.
• How can I pay my bill?

  There are several convenient ways to pay Mount Sinai bills for yourself or someone else. The quickest and easiest is to pay online. You can start by searching your bill type on our patient billing portal for relevant contact information.
  
  Online: To pay online, please look at the billing statement for an account number, Patient Account Access Number (PAAN), or other information you might need to log in. You can pay for yourself or someone else, such as a family member.
  
  By phone: You can call us at the number on your billing statement to pay by phone. During normal business hours, you can speak with a customer service agent. For some of our sites, you can also pay over our 24/7 automated system.
  
  By mail: You can mail in your payment with the payment stub to the appropriate location listed on your bill.
• My insurance information or personal information has changed. How can I update you?

  If your insurance or personal information is incorrect or not listed on your statement, please call the number listed on your billing statement. For some of our sites, you might also have the option to update your information through an online billing portal.
• If I can't pay my bill, do you offer financial assistance?

  Mount Sinai can help patients who have difficulty paying their hospital bills. To learn more about whether you qualify, consult our financial assistance policy.
  
  If you have difficulty paying your physician bill, contact your physician's office directly to learn about potential financial assistance policies they might have.