Commercial insurance is a term, commonly used in the health care industry to identify all insurance companies other than Medicare, Medicaid, Auto, workers' compensation, and liability.
There are hundreds of commercial insurance companies offering a wide variety of insurance benefit plans to employers and patients. Due to the complexity of insurance coverage and benefits, we highly recommend that you contact your insurance company prior to receiving services to ensure that your hospital service is a covered benefit according to your insurance coverage.
St. Luke’s University Health Network will bill all commercial insurance companies on your behalf. It is the patients' obligation to provide complete health insurance billing information at the time of service.
New Jersey Contracted Health Insurers and Networks
Please contact the Customer Service or Member Services Department at your insurance company prior to receiving services (the phone numbers are on your insurance card or in your benefits book). Each plan is different and some provide different levels of coverage that could make a difference in your-out of pocket costs. They should be able to tell you about your in-network and out-of-network coverage for care at St. Luke’s Warren Hospital, as well as what your financial responsibility will be.
Physicians who provide care within our hospital might not participate in the same insurance plans as the hospital. Please check with the physician who is arranging your healthcare services to see which insurance plans the physician participates in.
In addition, Physician services may not be included in your hospital bill. Therefore, you will receive separate physician charges for each service rendered.
Click Here for a list of the insurance plans in which St. Luke’s Warren participates. This list should not be considered comprehensive. For example, even though we may not be contracted with all plans, we will complete a single case agreement with the payer, if possible.
Click Here for a list of physicians who are employed by one of our hospitals and whose services may be provided at the hospital. If your physician is not identified as an employee of St. Luke’s University Health Network, please contact the physician directly to ensure they participate.
If you have any questions or need additional information, please call 1-844-757-7423.