Frequently Asked Questions

What's the best way for me to pay my hospital bills?

The fastest, easiest way to pay your bills is through our secure online bill payment page. Our bill payment options include:
- Secure online bill payment - Pay Your Bill Online.
- Contact us by telephone and pay with your credit card. We accept Visa, MasterCard, American Express, and Discover Credit Cards.
- Stop by the Patient Account Services office and make a direct payment in full.
- Customers of our primary and specialty health centers can make direct payments right at the health centers or at the Patient Account Services office.
- You can make payment at the time of service (ex. making payment at the registration desk) or any time after the service. Locations where payment can be accepted include:

Cashier, AR Gould Memorial Hospital  140 Academy Street, Presque Isle (payments only, please visit Patient Account Services if you have questions about your bill)
TAMC Patient Account Services    11 North Street, Presque Isle

Regional Health Center Patients

Mars Hill Health Center - 106 Main Street, Mars Hill 
Fort Fairfield Health Center - 23 High Street, Fort Fairfield 
Caribou Health Center - 118 Bennett Drive, Ste. 130, Caribou

You can also mail a cashier's check, personal check, or credit card information for payment in full directly to our office. Please contact us with any questions.

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  2.  What is a deductible? Coinsurance? A-co-payment?

Insurance plans generally have deductibles, co-pays, and/or coinsurances.
- A "deductible" is an annual expense that you must pay before your insurance benefits can begin. This amount can vary based on place of service (i.e. your doctor’s office vs. a large hospital). Supplemental Insurance Plans may cover this cost.

- "Coinsurance" is the portion of the total bill (usually a percentage) that is the patient’s (or guarantor’s) responsibility to pay. This amount can vary based on place of service (i.e. your doctor’s office vs. a large hospital). Supplemental Insurance Plans may cover this cost.

- A "Co-pay" is a set amount paid each visit, based on your insurance policy. This usually does not count towards your deductible.

For example, on a $500 bill, your deductible might be $150, so you would have to pay the first $150. This leaves a balance of $350. Of that $350, your co-insurance might be 20%, meaning that you will have to pay an additional $70. Your insurance company should pay the remaining $280. The hospital will file this claim for you. After insurance has been billed, you may receive a bill on any remaining balances.


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  3.  Who is responsible for paying my bill?


The hospital will bill your insurance company directly ( unless you specify otherwise), still, you are ultimately responsible for making certain that your bill is paid.

If a balance remains after your insurance has issued a payment or a denial, or if you do not have insurance, payment is due immediately upon receipt of your statement.

It is TAMC's policy to treat all patients requiring medical care without regard to their ability to pay. In those cases where patients are financially unable to pay, financial counselors are available to help.

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  4.  What other bills will I receive?

In addition to your bill from the hospital, you may receive bills from private practice physicians who may have provided services to you. For instance, you may receive bills from consulting physicians, radiologists, or other specialists. Please contact their office directly if you have questions concerning their bills.

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  5.


Did you bill my correct insurance?

Questions about insurance may be directed to our Patient Account Services.  Please contact us with any questions.
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  6. What is "pending" with my insurance?

You may have received a letter or questionnaire from your insurance company requesting additional information. If you do not respond to this, the bill may become your responsibility.

Questions about insurance may be directed to our Patient Account Services.

Please contact us with any questions.

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  7. What do I owe?

You should receive an account statement in the mail. Your statement will reflect any unpaid balances on your account.

Questions about your account may be may be directed to our Patient Account Services at (207) 768-4277.

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  8. Did you receive my payment?

Any new payments made on your account should be reflected on your next account statement.

Questions about insurance may be directed to our Patient Account Services. Please contact us with any questions.

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  9.  Why didn't my insurance pay?

You should have received an Explanation of Medical Benefits (EOMB) or Explanation of Payment (EOP) from your insurance company, showing how they considered your claim. This EOMB/EOP should have a contact telephone number or web site where you can reach your insurance company for questions. Please contact your insurance company or benefits office with questions about denied claims.

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  10. What if I didn’t give anyone my insurance information at the time of service?

Questions about insurance may be directed to our Patient Account Services. Please contact us with any questions.

In order to prevent pre-certification and timely filing issues with your insurance plan, it is important that you contact us immediately.

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  11. What is pre-authorization, and who is responsible for taking care of it?

Many insurance plans require prior approval for services by patients and/or their Primary Care Providers (PCPs) before services can be covered. This is often referred to as pre-authorization.

Before your visit to a TAMC facility, please review your health-plan booklet or call your insurance company representative to clarify your specific policy benefits and requirements. Many Insurance Carriers also have their own web sites.

Information about your insurance company's web site can be found in your insurance policy handbook, on your insurance card, or at your benefits office.

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  12. I was injured at work – why am I getting a bill?

After notifying your employer of a work related injury, your employer should have filed a ‘Notice of Injury’ with the company’s workers compensation carrier. If they did not, the claim may be denied and become your responsibility.

Please check with your employer regarding the status of your workers compensation claim.


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