Patients Who Have Health Insurance

If you have health insurance, please remember to bring all card(s) with you to your visit. You should familiarize yourself with the terms of your insurance coverage so you will understand the hospital’s billing procedures, charges and any out-of-pocket expenses you may incur.


If you have health insurance, it is your responsibility to determine whether your insurance coverage requires precertification. If you are uncertain about precertification, please contact your employer or your health insurer. Precertification should be obtained prior to your hospital admission and is usually done by your Physician’s Office Staff. If your admission was an emergency, a hospital financial representative will notify your insurance company of your admission.

Patients Who Belong to an HMO or PPO

Your HMO or PPO plan may have special requirements, such as a second surgical opinion or precertification for certain tests or procedures. It is your responsibility to ensure that the requirements of your plan have been satisfied. If your plan’s requirements are not met, you may be financially responsible for all or part of the services rendered in the hospital. Please note that some physician specialists may not participate in your healthcare plan and their services may not be covered.

Patients Who Are Covered by Medicare

If you are covered by Medicare, we will need a copy of your Medicare card to verify your eligibility and to process your Medicare claim. Medicare plans specifically exclude payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations, self-administered drugs and others. Deductibles and copayments are also the responsibility of the patient. If you have any questions, please call:

Western Reserve Hospital Financial Representative at (330) 971-7597 between 8 a.m. – 4:30 p.m.

If you are a Medicare patient and you feel you are being discharged too soon, you may ask for a review of your discharge by Livanta, LLC, Ohio’s Medicare Quality Improvement Organization. Please refer to the Medicare Important Message that you were given upon admission or request a copy from your nurse.

Patients Who are Covered by Medicaid

If you are covered by Medicaid, we will need a copy of your Medicaid card. Medicaid has payment limitations on a number of services and items.


The cashier’s office is located on the first floor in outpatient registration and is open Monday through Friday from 8 a.m. – 4:30 p.m.

Uninsured Patients

The care you receive at Western Reserve Hospital will not be based on your ability to pay. If you do not have a health insurance plan, a financial representative will discuss various financial arrangements with you. If you have any questions, please call (330) 971-7597 between 8 a.m. – 4:30 p.m.

Your Hospital Bill

Western Reserve Hospital is responsible for submitting bills to your insurance company and will do everything possible to expedite your claim. Please remember that your health-insurance policy is a contract between you and your insurance company, and you have the final responsibility for the payment of your hospital bill. Western Reserve offers various assistance programs for individuals who need help paying their hospital bills. Applications for these programs may be obtained by calling a Patient Accounts Representative at (330) 255-3101 between 9 a.m. – 12 p.m. and 1 – 4:30 p.m.

Your hospital bill reflects all of the services you received during your stay. Charges fall into two categories: a basic daily rate, which includes your room, meals, nursing care, housekeeping and telephone; and charges for special services, which includes items your physician orders for you, such as X-rays or laboratory tests.

If you have certain tests or treatments while you are at the hospital, you may receive bills from physicians you do not see in person. These bills are for professional services rendered by these doctors while you were a patient. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have any questions about these bills, please call the number on the statement you receive.

Financial Representatives

Representatives are available to answer your questions about payment arrangements, insurance coverage, Medicare and other financial inquiries. In addition, if you want a cost estimate for your next outpatient procedure, our Financial Representatives can easily run an estimate for you. Financial Representatives are available Monday through Friday from 8 a.m. – 4:30 p.m. Our Financial Representatives are located on the first floor of the hospital near outpatient registration. For more information about financial services, please call (330) 971-7597.

Patient Account Services

If you have any questions regarding your account, please contact the Patient Account Services Office at (330) 255-3101. Representatives are available Monday – Friday, 9 a.m. – 12 p.m. and 1 – 4:30 p.m. Western Reserve Hospital offers various assistance programs for individuals who need help paying their hospital bills.