Patients & Visitors

Insurance Information

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On your behalf, Northwest Community Healthcare will bill your insurance plan(s), as provided at the time of registration. You are responsible for payment of charges not covered by insurance.

See insurance plans accepted at NCH

Some health plans require patients to receive services at an "in-network" or "participating provider."  Contact your insurance to verify Northwest Community is an in-network provider.

Out-of-network:

  • In an emergency, you should go to the nearest hospital, even if it is “out-of-network”
  • Your insurance plan will generally cover these costs or transfer you to an “in-network” hospital
  • If you go to an “out-of-network” hospital in a non-emergency situation, you may be required to pay a larger portion of your bill
  • Contact your insurance company for details about its “out-of-network” coverage

Pre-certification:

Your insurance plan may require you to pre-certify certain services or to notify them within a certain period of time after hospitalization. You should:

  • Read the details of your plan's requirements and any benefit documents provided by your insurance carrier or employer
  • Talk to your doctor's office and your insurance company about elective procedures
  • Discuss any insurance eligibility or payment concerns when you schedule your appointment, or ask to speak with a financial counselor

The amount you owe:

You will receive an "Explanation of Benefits" (EOB) from your insurance plan, which shows the amount it has paid, any non-covered or denied amounts and the remaining balance that you owe.

  • Review this information and call your insurance company or Northwest Community if you have questions
  • Northwest Community will send you a bill for any remaining amount due (such as co-insurance, deductible or non-covered charges)
  • You may be asked to pay at registration or discharge from the hospital

If you do not have insurance:

Northwest Community Healthcare treats all patients with dignity and respect, regardless of their financial situation. Emergency services will never be denied or withheld on the basis of a patient's ability to pay. If you do not have health insurance, please call a hospital Financial Counselor.

  • Financial Counselors are available to help you with financial assistance or charity care.
  • Financial Counselors can be reached at 847-618-4542. 
    The financial counselor will review payment and funding options that may be available to you. These could include applying for Illinois Medicaid, Kid Care or Family Care programs, Illinois Violent Crime Victims' Assistance Fund, other government-sponsored plans, grants, community funding, financial assistance and/or charity care.

Learn more about financial assistance

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Need health insurance?
Find a plan that we accept. 

We've partnered with IXStore's Private Health Insurance Exchange to make finding a plan fast and convenient. Click the link below to be taken to their tool and start researching plans today.

Find a Plan for You 

Before You Go

Schedule a primary care appointment

Learn about fees and billing at NCH