Billing & Financial Services
Indian River Medical Center is a not-for-profit hospital that relies on prompt payment of bills to continue providing services to the community. When you are admitted, we ask that you make arrangements for the payment of your bill. This may involve providing necessary insurance information during the admission procedure or establishing another payment arrangement with the Patient Financial Counselor. MasterCard, American Express, Discover or Visa may be used for settlement of the outstanding balances.
Insurance Plans Accepted at IRMC
Indian River Medical Center accepts Medicare, Medicaid, and the insurance plans listed below. This list is for informational purposes only and is subject to change at any time. Many insurance plans require precertification, requiring the patient to receive prior authorization before receiving care. For questions about insurance coverage and specific plan products including Medicare, please contact your insurance carrier directly.Skip Insurance Links
- Beacon Health Options/Value Options
- Beech Street
- Florida Blue Blue Select
- Florida Blue Medicare PPO
- Florida Blue Network Blue
- Florida Blue Traditional
- Florida Blue PPC
- CarePlus Health Plan
- Cigna HMO/Gatekeeper/PPO/Great West
- Concordia Behavioral Health
- Coventry Health Care
- Evolutions Healthcare Systems
- Florida Healthy Kids
- Freedom Health Medicaid
- Freedom Health Medicare
- Healthsmart Payors Organization
- Health First Commercial
- Health First Medicare
- Humana Commercial
- Humana Medicaid
- Humana Medicare PPO
- Magellan Complete Care Medicaid
- Magellan Healthcare
- Managed Health Network
- Mental Health Network
- Molina Medicaid
- Stratose/National Preferred Provider Network
- Pomco Group
- Prestige Health Choice Medicaid
- Beacon Health Options/Psychcare
- Rockport Workers Comp
- Simply Healthcare Medicaid
- Sunshine Health Medicaid
- Three Rivers Provider Network
- Optum/United Behavioral Health
- United Healthcare Choice/Select
- United Healthcare Medicare
- United Healthcare Options Plus
- Vocational Rehabilitation
- WellMed Medicare
*As of July 1, 2016.
Understanding Your Insurance
Many insurance companies with different levels of coverage exist in today’s healthcare marketplace. It is impossible for us to know exactly what level of coverage you or your employer has purchased.
It is your responsibility to become familiar with the level of coverage you have. The customer service number of your insurance company is usually printed on the back of your card.
We will bill your insurance company based on the information you provide to us during the patient registration process. However, should the bill remain unpaid by your insurance company after 60 days, we may send the bill to you, because you are ultimately the responsible party to pay for services that we provided to you during your care.
We will also send a courtesy billing to your secondary/tertiary insurance companies. However, as stated above, if the balance is outstanding after 60 days, we will bill you and expect prompt payment for services rendered to you.
If you have questions regarding your insurance company’s payment or rejection of a claim, please call the customer service department at your insurance company.
If You Have No Insurance
A Patient Financial Counselor will discuss financial arrangements with you. A hospital representative also will assist you in applying for government assistance programs when appropriate.
Eligibility for Indigent Care
The Indian River County Hospital District Board of Trustees has established policies and procedures to qualify clients who are in need of medical services and who do not have the ability to pay. All residents of Indian River County who have resided in the county for a period of six months or more and have met income, credit and asset requirements have the opportunity to apply for assistance.Skip Links
- Financial Assistance Policy
- Financial Assistance Policy (Spanish)
- Application for Financial Assistance
- Letter of Support
- Declaration of Income
- Proof of Residency
- Policy and Procedure Manual
To discuss available payment options or to make payment arrangements, contact Patient Services at (772) 563-4774.
The hospital bill does not include charges for professional services provided by physicians. Your physician will bill separately for services rendered by him or her. This includes Emergency Department physicians, radiologists, pathologists, surgeons, cardiologists, anesthesiologists and consulting physicians. Payment for physician services can be made directly to the physician.
If you have certain tests or treatments in the hospital, you may receive bills from physicians you did not see in person. These bills are for professional services rendered by these doctors in diagnosing and interpreting test results while you were a patient. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. Payment for such services is to be made directly to the physicians. If you have questions about these bills, please call the number printed on the statement you receive from them.
Additionally, not all physicians that have privileges at Indian River Medical Center are considered in-network with the insurances Indian River Medical Center is contracted with. Patients should contact their insurance carrier directly for information about in-network physicians.
Providers you may receive separate for bills from:
- Indian River Health Services – (772) 794-5611
- Emergency Physicians of Vero Beach, LLC – (800) 355-2470
- Anesthesia of Indian River – (877) 565-6865
- Vero Radiology Associates Inc. – (772) 562-0163
Medicare and Medicaid
Medicare and Florida Medicaid are both honored by IRMC. Medicare is a federally funded program for those at least 65 years of age and/or disabled. Medicaid is a federal and state funded program, generally for children, mothers and the disabled.
If you have Medicare and Medicaid, we will need a copy of your current card to verify eligibility and process your claim. You should be aware that the Medicare program specifically excludes payment for certain items and services such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and some medicines. Deductibles and co-payments also are the responsibility of the patient.
Pay My Bill
We continually strive to contain costs, while maintaining our commitment to excellence in medical care, by ensuring that every appropriate effort is made to collect money owed to the hospital for medical services provided.
Patients are responsible for the charges for services received. However, to assist patients in meeting their financial obligations, the hospital will bill their health insurance carrier(s) for them, as long as a valid ID card and/or information regarding insurance coverage is presented at the time of registration.
The hospital accepts assignments of benefits and maintains an active follow-up program with all insurance carriers. Insurance is billed as a courtesy to the patient and the patient remains responsible for contacting their insurance carrier to ensure prompt payment of their accounts. Patients should contact their insurance if payment has not been made within 45 days. Accounts with balances due after 60 days may be billed to the patient, regardless of pending insurance benefits. Accounts with delinquent balances or without adequate payment arrangements may be forwarded to a collection agency or attorney.
At the patient’s request, a detailed bill may be provided. The hospital will send periodic statements to the patients or responsible party in an effort to keep them informed as to the status of all open accounts.
Please contact our Patient Accounts department at (772) 563-4774 for more information.
Compare Hospital Prices
To get an idea of average hospital charges and average commercial insurance payments for the top 50 most common medical conditions or procedures click here.*
*The average payments listed on this site are not applicable to patients who are insured through Medicaid, Medicare or uninsured. All numbers are estimates and will vary based on your individual health care coverage.
This publication contains hospital financial data filed with the Agency by hospitals and includes an analysis of hospital financial trends. Click here, then select the section labeled: Florida Hospital Financial Data.