Additional information

• Online bill pay
• Interest-free, in-house payment plan for up to 6 months
• External line of credit through Commerce Bank:

Easy enrollment
One monthly payment
No credit check
0% interest
Terms of 24, 36 or 60 months based on balance

If you have a question about your Goshen Hospital bill, you can speak to one of our customer service representatives.

Office hours: Monday through Friday, 8 a.m. – 4:30 p.m.

E-mail: pfs@goshenhealth.com
Phone: (574) 364-2420
Alternate phone: (888) 507-7462
Espanol al numero: (574) 364-2858

Additional information

• Online bill pay
• Interest-free, in-house payment plan for up to 6 months
• External line of credit through Commerce Bank:

Easy enrollment
One monthly payment
No credit check
0% interest
Terms of 24, 36 or 60 months based on balance

Billing FAQs and terms.

For questions about your Goshen Physicians bill, please contact an account coordinator.

Office hours: Monday through Friday, 8 a.m. – 4 p.m.
Phone: (574) 364-4727
Fax: (574) 364-2759

Coordination of Benefits

From determining whether your insurance will cover the services you need to understanding how much your care will cost out of pocket, navigating the health care system can be tricky. This is especially true when more than one insurance plan could potentially cover your medical expenses. Coordination of benefits is the process by which insurance companies decide who is responsible for covering the cost of your care in this situation.

At Goshen Health, we understand that this process can be confusing. Our customer service team is available to answer your questions and clarify the process, so you can be sure you have coverage when you need it.

Goshen Hospital Billing: (574) 364-2420
Monday – Friday, 8:00 a.m. – 4:30 p.m.

Goshen Physician Network Billing: (574) 364-4727
Monday – Friday, 8:00 a.m. – 4:00 p.m.

What is Coordination of Benefits?

Coordination of benefits (COB) is part of the insurance payment process for when more than one insurance plan potentially covers the services provided. Insurance companies coordinate benefits by following certain general principles to establish the sequence in which each will pay. The primary payer is responsible for the largest share, while secondary payers cover all or a portion of the remainder. Insurance companies determine the order prior to paying claims in order to ensure they pay the right amount.

How do I handle coordination of benefits?

Your insurance company will ask you to complete a form disclosing any other health plans you may have. To complete COB you will need to contact your insurance company and provide the requested information. Keep all documents for your records in case any questions arise in the future. If you contact your insurance by phone, document the representative’s name and call reference number.

What happens if the coordination of benefits is not complete?

If the coordination of benefits status is not updated, it is possible that your insurance company will refuse to pay any claims until the issue is resolved. They may identify the amount owed as “patient responsibility,” leaving you with the full balance for your visit. Complying with the insurance company’s request will save you time and prevent headaches down the road.

When is Coordination of benefits needed?

While your insurance company may inquire about other coverage at any time, there are several common situations when coordination of benefits is needed and/or that may prompt your insurance company to verify your coverage:

When you're covered by more than one insurance plan

When you have more than one medical insurance plan.
When a child is covered by more than one insurance plan. In this scenario insurance companies generally agree that whichever policyholder has the earlier birthday in the year, based on the month, will be designated the primary.
When you have Medicare and another insurance plan through your employer. Medicare has a set of rules that determine when Medicare pays first and when it does not. If Medicare has incorrect information regarding your coverage, they will not pay the claim until that is resolved.

When insurance changes or may change

At the beginning of the year. Insurance companies will often request coordination of benefits information in case you have picked up another coverage.
When a baby is added to your policy. Insurance companies will often inquire about other coverage for the mother, as well as the baby.

When an accident occurs

When accidents occur, insurance companies will inquire about other coverage that might cover the medical treatment, such as liability insurance (in the case of an automobile accident) or workers’ compensation insurance (in the case of a work-related accident).

What if I only have one health insurance plan?

You may still need to complete coordination of benefits. Your insurance company may still refuse to pay your claims until verification is received. Insurance companies routinely check on the coordination of benefit status and may require it even when they have no other coverage to coordinate. Complying with their requests will facilitate a smoother billing process for you as a customer and a patient.

What information do I need?

Insurance cards for all health insurance plans.
Full name and date of birth for each person on your plan that is covered by additional insurances.

Where do I find policy information?

When you gather ID cards from all other insurance plans, review the card for the policy number, group number, and the names of anyone else you cover on your plan. Please note that your policy number may also be identified as a member ID, participant ID, or another synonym.
Contact numbers for the insurance company are usually on the back of the card.