If you’ve received medical services from Chatham Pathology Associates in Savannah, Georgia, you’ll need to pay your bill in a timely manner. Chatham Pathology provides pathology services for patients at St. Joseph’s/Candler Health System facilities and handles billing and collections directly. Read on for a complete guide on how to pay your Chatham Pathology Associates bill quickly and easily.
Overview of Chatham Pathology Associates
Chatham Pathology Associates is a leading pathology group serving the Savannah region since the 1960s They provide pathology expertise and testing services for both hospital patients and outpatients at St Joseph’s/Candler locations,
Services offered by Chatham Pathology Associates include
- Surgical pathology and cytology
- Clinical pathology and laboratory medicine
- Molecular diagnostics
- Flow cytometry
- Cytogenetics
- Microbiology
- Blood banking
Their team of pathologists and medical laboratory scientists deliver prompt, accurate results to aid in diagnosis and treatment.
Receiving Your Bill
After receiving services from Chatham Pathology Associates, you’ll get a bill in the mail for any out-of-pocket costs like coinsurance or deductible amounts owed. Bills are typically sent on a monthly basis, but timing can vary.
Your Chatham Pathology Associates bill will list:
- Date(s) of service
- Description of services rendered
- Charges for each service
- Payments made by insurance, if applicable
- Patient responsibility amount owed
Be sure to carefully review your bill for accuracy Reach out to their billing department with any concerns
Payment Options
There are a few ways you can pay your Chatham Pathology Associates bill conveniently. Payment options include:
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By mail – Send a check or money order payable to Chatham Pathology Associates using the remittance slip and envelope provided with your statement. Be sure to include your account number on the check.
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Online bill pay – Set up Chatham Pathology as a payee through your bank’s online bill pay system. Payments are sent electronically.
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In person – Bring cash, check, or credit card payment to the billing office at 5353 Reynolds St, Savannah, GA 31405.
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By phone – Call 912-819-6370 to make a credit card payment over the phone.
Chatham Pathology accepts Visa, MasterCard, and Discover cards for your convenience.
Payment Plan Options
If you are unable to pay your full balance due, Chatham Pathology allows patients to set up monthly payment plans. Payment plans allow you to make smaller payments over time until your bill is paid in full.
To set up a bill payment plan:
- Contact the billing office to discuss your financial situation.
- Provide information on your income and expenses.
- Agree to a monthly payment amount that works with your budget.
- Make consistent on-time payments each month.
- Notify billing immediately if you need to adjust payment dates or amounts.
Payment plans help avoid late fees and other penalties for non-payment. Discuss this option if paying in full presents a hardship.
Financial Assistance
Chatham Pathology Associates offers financial assistance options for patients based on financial need. Assistance can include:
- Discounts on services
- Waiving late fees or interest
- Extended payment plans
- Reduced payment plans
To apply for financial assistance:
- Ask for a financial assistance application from the billing office.
- Submit the completed application with income documentation.
- Allow up to 30 days for eligibility determination.
- If approved, a financial agreement outlining discounts and payment terms will be provided.
Financial assistance ensures you can receive needed pathology services regardless of your financial situation.
Late Payments and Collections
It’s important to pay your Chatham Pathology Associates bills in a timely manner to avoid late fees, interest charges, and potential collections actions.
If your account becomes past due:
- A late fee of $25 may be assessed for balances 30 days past the due date.
- Accounts over 60 days past due will accrue 1.5% interest monthly.
- After 90 days without payment, unpaid accounts are placed with a collections agency.
- You are responsible for any additional collections fees incurred.
Avoid penalties by paying on time or immediately contacting billing if you need to make alternative arrangements.
Customer Service Support
If you have any billing or payment questions for Chatham Pathology Associates, reach out to the billing department for assistance at:
Phone: 912-819-6370
Fax: 912-819-6515
Email: [email protected]
You can also visit the office in person weekdays from 8:30 am to 4:30 pm at:
5353 Reynolds St.
Savannah, GA 31405
The billing team can provide clarification on charges, help with payment plan or assistance applications, take payments, and more.
Benefits of Timely Payment
By promptly paying your Chatham Pathology Associates bills, you can avoid unfavorable consequences like collection actions, credit damage, service disruptions, and stress. Payment shows your commitment to financial responsibility.
Paying on time or communicating about your situation also maintains a positive relationship with your pathology services provider. This ensures you have continued access to critical testing and diagnostic services through Chatham Pathology Associates.
Now that you know how to pay your bill and get help if needed, you can keep your Chatham Pathology account in good standing. Reach out to their caring billing professionals to take care of payment confidently.
St. Joseph’s Hospital Campus 11705 Mercy Blvd. Savannah, GA 31419
We have a number of ways to pay your bills online quickly and securely. Click the appropriate button below to pay your bill. Payments can be made by check, debit or credit card.
Using the Customer Service functions you also can contact us about questions or problems with your account(s) and submit changes to your street address or insurance information.
St. Josephs/Candler is committed to extending financial assistance to qualifying patients. If payment could create a financial hardship for you, our staff will work with you to apply for assistance. Go here to read more or call Customer Service at 912-819-8455 or 800-374-7054.
You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who dont have insurance or who are not using insurance an estimate of the bill for medical items and services.
- You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment and hospital fees.
- Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
- If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
- Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Your Rights and Protections Against Surprise Medical Bills
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in- network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
Emergency services
If you have an emergency medical condition and get emergency services from an out-of- network provider or facility, the most the provider or facility may bill you is your plan’s in- network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
The state of Georgia and the federal government both have laws to protect you from balance billing although they are a little different. State rules only apply to fully insured commercial health insurance plans and some government plans. Federal rules may also apply to commercial health insurance in situations where you received health care services in another state, your health insurance is regulated by a state other than Georgia or the health care service you received is not regulated by the state law. Most of the differences between the state and federal laws are in the way the rules affect providers and health insurers, so you usually won’t need to worry about that. However, the grievance processes are different, as indicated on the government websites linked below.
Certain services at an in-network hospital, ambulatory surgical center or other facility
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. Under Georgia law this rule also applies to imaging centers, birthing centers, and similar facilities in addition to hospitals and ambulatory surgical centers. If you get other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.
You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
The best way to find an in-network provider is to use the online provider directory on your health plan’s website.
When balance billing isn’t allowed, you also have the following protections:
- You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
- Your health plan generally must:
- Cover emergency services without requiring you to get approval for services in advance (prior authorization). Under Georgia law, your health plan cannot later deny such services because they don’t consider them medically necessary.
- Cover emergency services by out-of-network providers.
- Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
- Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.
If you believe you’ve been wrongly billed, first contact your provider and/or your health plan for an explanation. If they can’t resolve your concerns, you can contact the Georgia Office of the Commissioner of Insurance and Safety Fire online at https://oci.georgia.gov/ or by phone at (404) 656-2070.
Visit https://www.cms.gov/nosurprises for more information about your rights under federal law.
Visit https://oci.georgia.gov/how-do-i-file-complaint for more information about your rights under Georgia law.
We also offer extended payment plans to patients through our partner, MedFinancial. They offer no-interest payment plans that are tailored to your health and financial situation. They are not a traditional credit card nor are they a collection agency. Their program covers all patients regardless of balance or credit history – and they never report to credit bureaus. Their customized payment options offer many benefits including:
- No credit reporting
- Everyone is accepted
- No hidden fees
- Easy payment methods: online, phone, check, auto pay
- Combined statements that include other medical bills and family members
Our team will work with you to determine the right plan for your situation, helping you pay in regular low-monthly installments you can realistically manage. To learn more, speak to one of our representatives by call 912-819-8455.