Common Billing & Financials Questions
Paying Your Bill
How can I pay my bill?
There are several ways to pay your bill, including online, by phone, by mail, or in person. Visit the Pay Your Bill page to get started.
Who do I contact if I have questions?
Below, you will find contact information for account representatives who can help answer questions related to your account. Look at the top of your statement to know which number to call.
For Kootenai Health, Kootenai Clinic, Kootenai Heart Clinics, or Kootenai Urgent Care
- Call (208) 625-5000
- Monday through Friday 7:30 a.m. to 4:30 p.m.
For Kootenai Imaging
What if I have a billing question during treatment?
While admitted to Kootenai, you can request a billing consult for your billing questions by calling (208) 625-5000. You may also ask your nurse to contact the business services office for you.
Cost Estimates and Coverage
How do I get a personalized cost estimate?
Kootenai Health is happy to provide personalized cost estimates for patients. Please visit our Price Estimates page for details on how to get an estimate.
What will my insurance pay?
If you have insurance, your insurance company can help you get an estimate for what you will pay for a specific procedure. Your insurance company is a good place to start when determining out of pocket costs in advance because it will know your specific coverage, benefits, deductibles and co-pays. Some insurance companies offer online tools for estimates while others have customer service numbers to call for you to determine the cost.
Why do health care costs vary?
The ultimate “out of pocket” cost to you for health care services is difficult to define, because it can be impacted by many factors:
- Your health insurance
- Your unique health condition and needs
- Your provider
For a detailed explanation on health care prices, download the Understanding Health Care Prices: A Consumer Guide (PDF) from Healthcare Financial Management Association.
Financial Help
What if I don’t have insurance or have financial concerns?
Let our financial counseling team help. If you do not have coverage, we can assist you. As one solution, Kootenai Health provides the ClearBalance zero-interest patient financing option. Another option is to explore your eligibility for financial assistance to obtain medical benefits through federal, state and hospital programs. These programs may help you with your current bill and will help you pay for health care in the future.
Our team is available to provide assistance by calling (208) 625-5000, Monday – Friday from 8 a.m. to 4:30 p.m.
What is Kootenai Health’s Charity Care Policy?
Kootenai Health believes that medically necessary health care services should be accessible to all, regardless of age, gender, geographic location, cultural background, physical mobility or ability to pay. Kootenai Health is committed to providing health care services and acknowledges that in some cases the patient will not be financially able to pay for the services rendered. Kootenai Health has developed a policy that describes Charity Care eligibility requirements and approval process. Generally, eligibility for charity care is determined by comparing the patient’s income to the Federal Poverty Level Income Guidelines (FPG) as established by the Department of Health and Human Services. Please download the policy for details on the process and for the application.
Understanding Your Bill
Whom will I receive bills from?
For your convenience, the business services department will submit billing for:
- Kootenai Health
- Kootenai Clinic
- Kootenai Heart Clinics
- Kootenai Urgent Care
You may also receive a bill from doctors who cared for you while at Kootenai. These may include your family doctor, the radiologist who interpreted a radiology exam, the pathologist who reviewed your labs tests, or another specialist involved with your care. Please note: Not all physicians may be contracted with your insurance company.
What will my bill look like?
Download an example of a statement from:
What if I have questions about a bill from Anesthesia Associates of Coeur d’Alene?
For questions regarding Anesthesia Associates of Coeur d’Alene, please contact their billing services department at (844) 499-2442.
Insurance Basics
Common Insurance Terms
- Deductible: The amount you are responsible to pay out-of-pocket before your insurance company will begin paying for covered services. This is usually an annual expense.
- Co-payment: The dollar amount payable by you for covered services. This is often a fixed dollar amount. Example: $20 co-payment for routine office visits.
- Co-insurance: A percentage of your charges that remain after the deductible is met, that your insurance company will not pay. For example, some insurance companies pay 80 percent. Your co-insurance would be 20 percent.
