Patient Guide


Billing FAQs

Q. Do I need to pay my co-payment at the time of service?

A. Your co-payment (co-pay) is a specific amount identified by your insurance company that you are expected to pay at time of service. Co-pays will vary depending on the services you receive, for instance, your insurance company may require a co-pay of $25 for an office visit, a co-pay of $40 for laboratory services, and a co-pay of $100 for an Emergency Room visit. Co-pay amounts are often listed on your insurance card. Lourdes requests that you pay your co-pay when services are rendered (either when you check in for your appointment or at the conclusion of your visit). We accept cash, check, money orders, and credit cards.

Q. Can I find out the cost of a test or procedure?

A. Our Customer Services Representatives can answer questions about the cost of tests and procedures. We can provide an estimate or average cost of services. Your out of pocket cost may vary depending on which procedure is performed. Additional costs can be incurred for the use of equipment, supplies, and medications. Call 607-584-5510 or toll-free at 888-492-5500.

Q. How do I know if my insurance company will pay for hospital services?

A. We recommend that you contact your insurance company directly to verify benefits and authorization.

Q. Can I still go to Lourdes if my insurance plan is out-of-network?

A. In cases of emergency, go to the nearest emergency room. Your insurance will generally cover the Emergency Department costs or will transfer you to an in-network hospital once you are stable. For non-emergent services, you may be required to pay a larger portion on your bill. To verify your cost for out-of-network services, contact your insurance company directly to discuss. Lourdes participates in a variety of health plans. Visit our Insurance Information page for a list of participating insurance companies.

Q. My statement looks different than I am accustomed to receiving. Why has it changed?

A.  We've made significant changes to the Lourdes statement to make it easier to read and understand. Patients will receive one monthly statement for all outstanding balances and will receive their statement at the same time each month. The statement includes only those accounts previously processed by insurance with a remaining balance due from the patient. Your last name determines when you will receive your statement. The statement schedule is as follows:

  • A-D - 1st week of the month
  • E-K - 2nd week of the month
  • L-R - 3rd week of the month
  • S-Z  - 4th week of the month

Q. What types of online payment methods can I use?

A. You can make your payment electronically by credit card, debit card, or electronic check. Please note:  unless otherwise specified, payments will be applied to the oldest account with an open balance. If you have multiple outstanding balances and would like to pay on a specific account, please use the Pay Without Enrolling button on the Online Billing Website.

Note: If your account balance has been forwarded to the collection agency, please call the collection agency directly to arrange for payment on your balance. These account balances cannot be paid online at this time.  To contact the collection agency please call Burr & Reid at 607-798-1521. 

Q. If I cannot afford to pay my entire balance, can I make regular monthly payments?

A. If you cannot pay your balance in full and would like to setup a monthly payment arrangement, please call our Customer Service Representatives at 607-584-5510 or toll-free at 888-492-5500.

Q. Which credit cards does Lourdes accept?

A. Visa, MasterCard, Discover Card, and American Express.

Q. Who can I talk to if I have questions or concerns about my bill?

A. If you have any questions about your bill, please call the Lourdes Business Office at 607-584-5510 or toll-free at 888-492-5500. Our representatives will be happy to work with you to explain your statement details, process your payment, or make payment arrangements for your balances with Lourdes.

LOURDES Hospital | 169 Riverside Drive • Binghamton, NY 13905 | Phone: 607-798-5111 / Directory | Email: