Bill pay and insurance

We understand that everyone has busy lives and schedules. For our patients’ convenience, we offer online billing websites, where paying your bills online is quick and easy. Plus, you can enroll to view your bills online, change your address, or update your insurance information.

Billing questions

For questions about your bill, call 866-756-8348 (Edward Hospital), 866-756-8353 (Elmhurst Hospital) or 630-527-3100 (Linden Oaks Behavioral Health), or submit a contact us form to be directed to one of our customer service representatives.

Billing Department hours of operation are:
Monday and Wednesday: 8:00 am – 8:00 pm
Tuesday and Thursday:  8:00 am – 7:00 pm
Friday: 8:00 am – 5:00 pm

Insurance plans accepted

Edward-Elmhurst Health is dedicated to meeting the healthcare needs of our community, and helping as many people as we can be Healthy Driven. Edward-Elmhurst Health participates in a wide range of health insurance plans and is considered ‘in-network’ for these insurance plans.  In-network means that a larger portion of your medical expense will be covered and will likely reduce your out-of-pocket expense.  

Below is a listing of insurance plans accepted at each of our locations.* Since insurance coverage varies, a good habit is to always:

(1) Contact your insurance carrier to verify your specific coverage for services and 
(2) Contact your physician’s office to verify accepted insurance plans.

View insurance plans accepted below or click for a PDF version.

Plan Key
EH Edward Hospital EMG Edward Medical Group
Edward IC Edward Immediate Care EMMG Elmhurst Memorial Medical Group
EMH Elmhurst Hospital LOMG Linden Oaks Medical Group
Elmhurst IC Elmhurst Immediate Care EC Elmhurst Clinic
LOH Linden Oaks Hospital PPD Physician Practice Division
EHV Edward Health Ventures


Commercial Insurance (also called private insurance) is a type of insurance coverage that can be paid for individually or as part of a group plan by an employer. It covers medical expenses that are incurred by the insured. Edward-Elmhurst Health participates with a wide variety of commercial insurance plans to meet the needs of patients in the community.

2017 Commercial Plans Products EH & Edward IC* EMH & Elmhurst IC* LOH EHV, EMG, EMMG & LOMG EC & PPD
Aetna Behavioral Health
(LOMG Only)
Aetna High Performance HMO



Ambetter Secure Care HMO


(Excludes LOMG)

Ambetter Balanced Care HMO


(Excludes LOMG)

Beacon Health Options
(Formerly Value Options)
Beech Street PPO
Blue Cross Blue Advantage HMO
Blue Cross HMO Illinois (HMOI) HMO
Blue Cross POS POS
Blue Cross PPO PPO
Blue Cross Options PPO PPO
Blue Choice MCNP PPO
Blue Choice Preferred PPO
Blue Precision HMO
Caterpillar PPO
CIGNA Behavioral Health
(LOMG Only)
Cofinity PPO
ComPsych PPO
Coventry HMO, PPO, POS

(Excludes LOMG)
Coventry (First Health) PPO

(Excludes LOMG)
Coventry One PPO
(Excludes LOMG)
Coventry (Personal Care)

(Excludes LOMG)
Galaxy Health (UHC) PPO
Great West (CIGNA) PPO, POS, Open Access
Health Alliance PPO
(LOMG Only)
HealthLink / Unicare PPO
Humana ChoiceCare PPO
Humana HMO HMO
Humana Behavioral Health
(Formerly LifeSynch)

(LOMG Only)
(LOMG Only)
MultiPlan PPO
Physician Benefit Trust PPO
Preferred Network Access PPO
SmartCare/Imagine Health PPO
Three Rivers PPO
TriCare Standard / Reserve Select PPO
(INPT Only)
United HealthCare Choice, Select, Plus HMO, PPO
(Excludes LOMG)
United HealthCare Core/Navigate HMO, PPO
(Excludes LOMG)

**(ABH) Aetna Behavioral Health
***(CBH) CIGNA Behavioral Health
****(LSNC) Life-Sync


Government insurance (also called public insurance) is a type of insurance coverage that is subsidized or paid for entirely by government funds. There are a wide range of plans available. For instance, Medicaid is for some low income individuals or families. Medicare is for people age 65 or older, and those with certain disabilities or health problems.

Medicare Advantage Plans Products EH & Edward IC* EMH & Elmhurst IC* LOH EHV, EMG, EMMG & LOMG EC & PPD
Aetna Medicare Plans HMO, POS, PPO

Blue Cross Medicare Advantage HMO, POS, PPO
Health Alliance PPO
(LOMG Only)
Humana Gold Plus HMO
Humana Choice PPO ✔ 
AARP Medicare CompleteFocus (UHC) HMO
(Excludes LOMG)
AARP Medicare Complete (plan 1 & 2) (UHC)
*now available in DuPage County in 2017
(Excludes LOMG)
AARP Medicare Complete Access (UHC) HMO
UHC Medicare Advantage PPO
Blue Cross Medicare 'Select' Supplement
ACA Medicaid Plans Products EH & Edward IC* EMH & Elmhurst IC* LOH EHV, EMG, EMMG & LOMG EC & PPD
Blue Cross Community MMAI
(Excludes LOMG)
Blue Cross Community FHP, ICP
(Excludes LOMG)

Family Health Network FHP, ICP
Humana ICP, MMAI
(Excludes LOMG)
IlliniCare FHP, ICP, MMAI
(Excludes LOMG)
Government Payer Plans Products EH & Edward IC* EMH & Elmhurst IC* LOH EHV, EMG, EMMG & LOMG EC & PPD
Medicare A
(hospital inpatient)
Medicare B
(hospital outpatient & physician)
Illinois Medicaid
(patients under 21 only)
Workers Compensation Plans Products EH & Edward IC* EMH & Elmhurst IC* LOH EHV, EMG, EMMG & LOMG EC & PPD

****(LSNC) Life-Sync

*Edward Immediate Care facilities are located in Bolingbrook, N. Naperville and Oswego. Elmhurst Immediate Care facilities are located in Addison, Hinsdale, Lombard and Oak Park. 

Insurance information is being provided for informational purposes only. Each individual is responsible for confirming which health care providers are in their insurance network.  Edward-Elmhurst Health cannot warrant that this information is accurate or up-to-date for every plan and product available which may resemble the products and networks listed here.

If you need additional information pertaining to our accepted insurance plans, please email or call (331) 221-6650. Our hours are Monday through Friday, 7:00 am– 4:00 pm. 

For assistance with selecting a health plan from the Illinois Insurance Marketplace, contact a Patient Innovation Center navigator. Learn more

Billing and insurance FAQs

We have compiled some Frequently Asked Questions (FAQs) to assist you with your billing questions. If you cannot find what you need, please contact us at

Do I need pre-approval for a particular service?

You may need pre-approval (sometimes called pre-authorization or prior authorization) from your health plan before you have surgery or receive certain other healthcare services. Through the pre-approval process, your health plan confirms medical necessity—in other words, that the service is appropriate for your condition. As a healthcare consumer, it is important to understand which services require pre-approval. If you receive care without first obtaining a required pre-approval, your health plan may not cover your claims. Pre-approval may be required for a variety of services, such as CT scans or MRI scans, not just for surgery. When in doubt, call your health plan to find out whether pre-approval is needed.

What if Edward-Elmhurst Health doesn't participate with my HMO or PPO?

If you have health insurance with a HMO or PPO plan with which we do not participate, you may still receive services at our facility. However, these services are considered “out-of-network” and may not be covered. You will be responsible for paying the bill in full, or for any balance not paid by your health insurance. Check with your HMO or PPO plan to understand your policy’s limitations.

Even though I gave the hospital and/or physician's office my health insurance information, I was also asked for my automobile insurance because my injury was due to an automobile accident. Why do you need this information?

For health services related to such injuries, health insurance plans normally only pay benefits after the auto insurance or workers' compensation insurance has paid their portion. This is also required for Medicare and Medicaid. If we do not provide the accident insurance information at the time of billing, the claim will be delayed or may even be denied until the information is provided.

I have insurance; why did I still receive a bill?

Sometimes billing problems are caused because an outdated insurance card is on file or the patient did not have the card with them when they presented for service. Or, you may have an additional plan that we were not aware of. For example, both you and your spouse have insurance coverage; or you are a Medicare patient who also has a supplemental plan. When you receive the first bill, call us to make sure that we have the correct information on file.

You may also receive a bill for any deductible or co-insurance amounts that are due, or for services that are considered non-covered. If you have any questions, please contact our office and we will assist you. Sometimes you may also need to contact your employer’s benefits manager or your insurance plan directly for information as health benefits can be complex.

What is a deductible?

A deductible is the amount that you may have to pay before your health insurance pays. Many plans offered today are called High-Deductible Health Plans where the deductible can be as high as $6,450 for single coverage or $12,900 for family coverage. Once the patient has met his/her deductible, the insurance usually pays a percentage of the remaining bills. The patient is liable for the unpaid percentage. Deductibles are reset annually, usually starting in January.

What is co-insurance?

Co-insurance is a form of cost sharing. After your deductible has been met, your insurance plan will begin paying a percentage of your bills. The remaining amount, known as co-insurance, is the portion due by the patient.

How will I know if my insurance company has paid my bill?

After your insurance company has paid its portion of your Hospital bill, we will send you a statement. This statement will indicate payments and adjustments that have been posted to your account and any balance you are required to pay. You may also receive an explanation of benefits (EOB) from your insurance company.

What's an Explanation of Benefits (EOB)?

An Explanation of Benefits is a document from your insurance company that shows how they processed your claim. It contains information such as co-pays, deductibles or non-covered services. EOBs should be kept for future reference.

What do I do if I disagree with how much my insurance company has paid on my bill?

If you have questions regarding the payment, call your insurance company for an explanation. If the insurance company finds that an error was made, note the information and whom you talked with at the insurance company. Request an anticipated payment date and ask if they need anything to complete processing. If the insurance company feels the bill was paid correctly and you still disagree, find out from the insurance company what you need to do to file an “appeal” with them. Filing an appeal will not guarantee that the insurance company will pay more on your bill, but the claim will be reviewed for reconsideration.

How can I pay my portion of my bill?

We offer several payment options:

  • Make an online payment using your MasterCard, VISA, American Express or debit card by selecting the online payment option as part of 'My Account'.
  • Pay by credit card by calling the number on your provider statement or completing the payment coupon on the bottom of the statement.
  • Mail your check or money order payable to the listed provider and include your account number. Mail the payment to the address included on your provider statement. Separate checks MUST be issued to pay different providers.
  • If payment in full is not possible, payment arrangements can be made online via Make a Payment. If you are unable to complete this section in accordance with the payment arrangement guidelines, contact a financial counselor at the number listed on your statement.