Patients may also be responsible for paying a portion of their hospital bills, depending on their insurance coverage and the services received. Understanding Delaware's medical billing services. Fee-for-service is a billing method in which medical providers charge patients for each service rendered. Private insurance, Medicare, and Medicaid are the three main health insurance options in the US. Hospital expenditures in the US are covered by a number of payers, such as Medicare, Medicaid, and commercial insurance firms. Hospitals may provide financial aid or charity care programs to help patients who lack insurance or have inadequate insurance pay for their medical expenses.
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