Insurance

If there is a question about your insurance coverage while you are a patient at Avera St. Luke's, please let your nurse know and a representative from the Business Office will contact you or a member of your family while you are here.

If you are covered by Medicare or Medicaid, you will need a copy of your card.

If you have health insurance/PPO or HMO coverage, we will need a copy of your identification card. We may also need the insurance forms that are supplied by your employer or the insurance company.

If you have no insurance, a patient financial case representative will discuss financial arrangements with you. Social Work Services is also available to assist you in applying for Medicaid and/or other assistance programs.

It is helpful if patients and their families can familiarize themselves with the insurance coverage they have. This will help in understanding the hospital’s billing procedures and charges.

Your Hospital Bill

Our hospital is responsible for submitting bills to your insurance company and will do everything possible to expedite your claim. Your bill reflects all services you received during your stay. Charges will include your room, meals, nursing care, housekeeping, and charges for special services that your physician ordered for you, such as X-rays or laboratory tests.

Other Bills

Separate from your hospital bill, you may receive other bills from various physicians who may have consulted on your case, or provided services ordered by your physician.

To contact a patient account representative, call 605-622-5250 or 605-622-5094, from 7 AM to 4:30 PM Monday through Friday.