Billing & Financial Assistance

Billing, insurance, and financial questions are a normal part of planning hospital care—especially during a stressful time. At RML Specialty Hospital, our goal is to make this process clear, supportive, and transparent for patients and families navigating complex medical decisions.

Before admission, our team reviews insurance coverage and works with families to explain what is known at that time. We help you understand next steps and connect you with the appropriate resources, so financial concerns do not become an added burden during care.

How Billing Works at RML

RML bills for hospital services related to your loved one’s stay, including room, nursing care, and therapies. Physician services are billed separately by the physicians involved in care.

If complete and accurate insurance information is provided, and an authorized assignment of insurance benefits is signed, RML will file primary and secondary insurance claims on your behalf. Insurance coverage varies by plan, and patients may remain responsible for deductibles, copayments, or coinsurance as determined by their insurer.

Our team is available to help explain billing statements and answer questions throughout this process.

Insurance Coverage Overview

RML works with many insurance plans, including:

Medicare
Medicaid
Most commercial insurance plans, including Blue Cross plans

Coverage and out-of-pocket responsibility depend on the specific terms of each individual plan. This may include deductibles, copayments, or coinsurance amounts determined by your insurer.

Before admission, RML reviews insurance coverage and communicates with families about what is known at that time. Our goal is to help you understand coverage clearly and early in the process.

Medicare Beneficiaries

The information below reflects current Medicare Part A and Part B patient responsibility amounts. Coverage and costs are based on individual benefit periods and may change annually.

Medicare inpatient deductible (days 1–60): $1,736.00 per benefit period
Medicare coinsurance (days 61–90): $434.00 per day
Medicare lifetime reserve days (days 91–150): $868.00 per day

Skilled nursing facility coinsurance (days 21–100): $217.00 per day
Medicare Part B deductible: $283.00 per year
Medicare Part B monthly premium: $202.90 (may be higher based on income)

If you have questions about how Medicare coverage applies to your situation, our team can help explain the process.

Medicaid Beneficiaries

RML is a participating provider in the State of Illinois Medicaid Program. Medicaid beneficiaries and individuals seeking information about Medicaid eligibility should contact their local Department of Social Services for details regarding benefits, coverage, and managed care options.

Private Insurance Beneficiaries

RML contracts with most major insurance providers and Medicaid managed care plans, offering services at discounted rates. Coverage varies by plan, and patients are typically responsible for deductibles, co-payments, coinsurance, and any required authorizations. Because insurance benefits and requirements can change, patients are encouraged to review their plan details or contact their insurance company directly to confirm current coverage and financial responsibility. Insurance coverage is a contract between the patient and the insurer.

Uninsured Patients & the No Surprises Act

Significant discounts may be available for uninsured patients and those who qualify for financial assistance. Additional details are provided in the Financial Assistance section below.

In compliance with the No Surprises Act, RML will provide uninsured or self-pay patients with a Good Faith Estimate for healthcare items and services upon request. To request an estimate, please contact the admitting department.

Patient Disclosure Notice:

Financial Assistance at RML

RML Specialty Hospital is committed to providing financial assistance to eligible patients who are unable to pay for medically necessary care.

Plain Language Summary

Medically necessary care may be provided at no cost to uninsured patients whose household income is below 200% of the Federal Poverty Level (FPL).
Reduced charges may be available for uninsured patients with household income between 200% and 600% of the FPL.
Financial assistance may be granted on a presumptive eligibility basis in certain situations.

Financial Assistance Documents:

Eligibility is determined through a review process, and our team is available to help answer questions and explain how to apply.

How to Apply or Get Help With Financial Assistance

Mailing Address

RML Specialty Hospital Admitting Department
5601 S. County Line Rd. Hinsdale, IL 60521

In-Person (by appointment)

Hinsdale Admitting Department

5601 S. County Line Rd., Hinsdale, IL 60521

Chicago Admitting Department

3435 West Van Buren Street, Chicago, IL 60624

Price Transparency & Required Disclosures

In accordance with federal regulations, RML provides access to hospital pricing information, including:

You may also review the following educational resource:

View consumer’s guide to healthcare prices prepared by the Healthcare Financial Management Association.

Insurance Companies & Contracted Coverage

If you have health insurance—such as PPO, HMO, or POS plans—it is important to review your benefit plan or contact your insurance company directly to understand deductibles, coinsurance, and authorization requirements. Because insurance contracts and coverage details can change, verifying current benefits is always recommended.

RML participates in most major insurance plans and Medicaid managed care programs. When complete information is provided, RML submits claims to insurance providers and works directly with them whenever possible. Insurance coverage is a contract between the patient and the insurer, and patients may have financial responsibility for services rendered.

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Get Help With Billing Questions

If you have questions about billing, insurance coverage, or financial responsibility, help is available.

Patient Financial Services
Phone: 630-286-4475

Our teams are here to answer questions and help guide you through the process.