Billing and financial matters

Hospital bills and health insurance matters can get complex and time consuming. This section tells you how to get in touch with Children’s Minnesota staff who can help walk you through the billing and insurance process.

In this section, you’ll find:

• Online bill pay information
• Billing and insurance FAQs
• A glossary of billing terms
• Financial counseling and assistance resources
• Billing policies and policy translations
• Price transparency resources

What you should review before your visit

Please bring your photo ID to appointments. If you have insurance, bring your insurance card. Co-pays will be collected at the time of service (if applicable).

Children’s Minnesota accepts most insurance programs. The hospital has contracts with all major Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), insurance companies and Medicaid plans.

If you have insurance:

• Provide current information: Children’s Minnesota needs your current insurance information in order to bill for services in a timely and effective manner. Please notify us at 952-992-5650 or email us at [email protected] if your insurance plan or address changes at any time during the treatment of your child.
• Know your plan: Get familiar with your health plan benefits and communicate with your insurance provider so you understand your child’s coverage. Many insurance plans, including Medicaid, require referrals and/or authorizations before receiving services. Elective care may be delayed if all required information is not in place.

What if I don’t have insurance?

If you do not have insurance, your child may be eligible for a Medicaid program or Children’s Minnesota financial assistance. Our financial counselors can help you determine which programs might be appropriate for your child. You can contact a financial counselor at 651-220-6367 or 612-813-6432.

How to apply for health insurance

• Employer-sponsored insurance: If your employer offers health insurance, contact your Human Resources (HR) department for enrollment details.
• Individual or family plans (Minnesota residents): If your employer does not offer health insurance, you can explore plans through MNsure, Minnesota’s health insurance marketplace. Visit their website at MNsure.org.
• Assistance from a social worker: If you are working with a social worker, they can provide personalized assistance with your insurance application.

Financial counseling support

Children’s Minnesota financial counselors can help you identify health insurance programs that may be right for your child. Call financial counseling at 612-813-6432.

Important enrollment information

Special enrollment periods:

• Many insurance plans have specific enrollment periods, particularly after the birth or adoption of a child (typically 30 to 60 days).
• Missing this deadline may result in your child’s coverage not being retroactive to their birth or adoption date. Acting quickly is very important to ensure your child has proper coverage.
• If you are in your employer’s yearly enrollment period, make sure to add your newborn or child from their date of birth or date of adoption. Otherwise, your insurance will assume you are only signing your child up for the upcoming year and not for the current year, creating a lapse in coverage.