Billing Frequently Asked Questions

Most insurance plans help pay for hospital services though how much you pay depends on your individual plan and benefits, which may include a deductible, copay or coinsurance.

These are ways your insurance company shares costs with you:

• Deductible: The amount you pay each year before insurance starts to pay.
• Copay: A fixed amount you pay for a service, like a visit to the hospital or your doctor’s office.
• Coinsurance: A percentage of the cost you owe according to your plan.

Your insurance company can explain how these apply to your plan.

In-network means your insurance company has an agreement with the hospital and its providers, and your costs are typically lower.

Out-of-network means your insurance company does not have an agreement with the hospital and its providers. You may be required to obtain prior authorization from your insurance company and subject to a higher copay or deductible.

For a list of accepted plans, please visit In-Network Plans.

Insurance does not always pay the full costs of your care. You may still owe money for parts of your care that are your responsibility under your individual plan and benefits.

Yes. Our hospital offers financial assistance and charity care for patients who qualify.

MMC offers a range of programs and resources including:

• Uninsured discount
• Prompt-pay discount
• Payment plans
• Eligibility screening and application assistance for healthcare coverage including Medicaid, New Mexico Medical Insurance Pool, Dona Ana County Assistance Program (CHAP) and other programs
• Information on available programs and resources, including community resources

Yes. Our financial assistance team can screen your eligibility and help you apply for other programs based on your insurance plan, household income and other criteria. You may also qualify for a payment plan or discount. Click here to learn more.

Depending on your individual circumstances and needs, you may qualify for financial assistance. Click here to learn more.

Learn more about financial assistance policy and application here. For support and to schedule an appointment with our team, call 575.288.4020 or email coverage@lpnt.net.

Like many hospitals, it is our standard procedure to collect payment upfront for nonemergent services. Many insurance plans require patients to pay a portion of their costs—such as deductibles, copays, or coinsurance—at the time of service. Collecting these amounts in advance helps ensure you understand your financial responsibility early, reduces unexpected bills later, and supports timely, accurate billing.

Our goal is to make the process as clear and simple as possible so you know what to expect before you receive care. If you have questions about your estimate or need help with payment options, including financial assistance programs, our team is here to support you. To learn more about our collections policy, click here.

You may get more than one bill for your care. The hospital bill covers items like your room, meals, nursing care, medicines, lab tests and imaging scans, medicines, equipment and supplies. You may also receive bills from doctors or other providers who provided your care.

An estimate is based on the care you were expected to receive. If your treatment changed or you needed more tests and procedures or required additional time, the final cost may be different. You may also receive separate bills from specialty physicians and providers providing your care.

Our website provides a Cost Estimator, Hospital Charges Listing and more information about our compliance with the No Surprise Act, your right to a Good Faith Estimate and more information about provider-based clinics.

Please visit our Price Transparency page to learn more.

You will receive your bill after your insurance company reviews the claim, which could take several weeks after your hospital stay or service.

Your bill should provide directions on how to make a payment via credit card, check or online. Click here to make a payment online.

We are here to help. Call 855.453.1203 or the number on your billing statement as soon as you can, and we can discuss setting up a payment plan or other resources you qualify for.

Yes. You can ask for an itemized bill that shows each charge. Click here to visit our online itemized bill viewer or call the number on your billing statement to request one.

Please call the number on your billing statement, and we can review the bill and explain the charges.