Payment Options Information

Thank you for Choosing Graham Health System for your health care needs.  Our Business Services team is here to make the process of paying your bill as easy as possible for you.  Our staff is available to assist you Monday-Thursday from 8 a.m. to 5 p.m. or Friday 8 a.m. to 4:30 p.m.

Graham Hospital billing staff: 309-649-6818

Graham Medical Group billing staff: 309-647-0201.

Please click on a link to learn more about our services. 

Contact our Office At the Following: 

Visit a Patient Financial Advocate – Located at Graham Medical Group, on the second floor across from the elevators, or on the ground level of the hospital next to Human Resources and the Cashier.

  • Email Business Services staff at


Learn about payment options

Graham Health System offers many different ways to make bill paying easy for our patients.  We offer prompt pay discounts for those who are able to pay their out-of-pocket on or before the date of service.  For those who need assistance to pay their health care costs, we will set up a payment plan with the balance due at the end of 120 days. Should you need more time to pay your medical bills, we are pleased to provide Health Services Financing through Commerce Bank. This 0% interest program is available for all patients with a balance over $250. 

Health Services Financing

Graham Health System is working with Commerce Bank to offer our patients a Line of Credit with a 12, 36, or 60 month 0% interest repayment term.  Our patients/guarantors may finance outstanding balances at Graham Health System with a Line of Credit. This allows multiple visits or services at Graham Health System to be combined into one account for repayment.

How does Health Services Financing work? 

The Graham Health System Patient Financial Advocates are available between the hours of 8:00 a.m. and 4:30 p.m. Monday – Friday to assist our patients with inquiries.

  • There is no set-up fee or penalty for paying off early.
  • The patient receives a monthly bill from Commerce.
  • Patients are given a monthly payment based on the outstanding balance due and a predetermined loan term.

­­­­­­­How do the loans work, how do patients/guarantors qualify for a bank loan?

  • Initially, patients must have an outstanding balance of $250 or more to qualify for a line of credit.  
  • Subsequent transactions do not require a minimum balance.
  • All patients are approved; there are no credit checks. 
  • Patients are provided with a fixed monthly payment for 12, 24, or 36 months depending on the balance.

How much does the loan cost the patient?

The loans are provided to the patients/guarantors at no cost. Graham Health System offers a 0% Annual Percentage Rate loan regardless of the balance or term of the loan.    

What happens if the patient does not wish to obtain a 0% interest loan and they cannot pay their bill?

Graham Health System offers patients/guarantors the opportunity to set up monthly payments with the balance due at the end of 120 days.

How do I inquire about the 0% interest loans? 

Graham Health System has four Patient Financial Advocates who are able to assist any patients with questions or if they are unable to pay their GHS medical bills. The Financial Advocates can be reached by calling:

  • Molly – Located in Patient Access at GH – 309-647-5240 extension 2544
  • Carol – Located on the 2nd floor of GMG – 309-647-5240 extension 7505
  • Becky - Located on the 2nd floor of GMG – 309-647-5240 extension 7202
  • Sandy – 309-647-5240 extension 2213

Understanding Financial Assistance

Graham Health System is proud to provide exceptional healthcare for all members of our community. Graham Health System and the government both sponsor various programs to ensure our community members receive necessary care. There are programs that may help you pay for your health care costs even if you may not be able to afford it. Graham Health System uses the Federal Poverty Guidelines to help determine what Financial Assistance Program best fits your needs. Whether you want to apply for healthcare insurance through the Healthcare Exchange, apply for Medicaid or need Financial Assistance, Graham Health System is here to help you.

To learn more about the Financial Assistance Programs available to you, please contact one of our Patient Financial Advocates. To assist you with insurance enrollment or the Financial Assistance Programs please call (309) 649-6818 or:

  • Molly – Located in Patient Access at GH – 309-647-5240 extension 2544
  • Carol – Located on the 2nd floor of GMG – 309-647-5240 extension 7505
  • Becky - Located on the 2nd floor of GMG – 309-647-5240 extension 7202
  • Sandy – 309-647-5240 extension 2213


The information below summarizes our FINANCIAL ASSISTANCE PROGRAMS.

Income is Up to 180% of Federal Poverty Guidelines
After a financial assessment of the patient’s income has been completed, the patient’s bill will be reduced by 100% if their income level is at or below 180% of the Federal Poverty Guidelines and they are a resident of the State of Illinois.

Presumptive Charity Care
Graham Health System has a process to validate the patient’s ability to pay, and in the event that the patient does not contact us, nor apply for financial assistance, we may extend the patient charity care for that episode of care.

Financial Assistance Program

Graham Health System follows the poverty guidelines as published by the Department of Health and Human Services.

Links to additional information regarding poverty guidelines, the Healthcare Exchange, and Medicaid Expansion:

To learn more about how the Graham Health System Patient Financial Advocates may help you with insurance enrollment or the Financial Assistance Program please call 309-649-6818, Monday-Thursday from 8 a.m. to 5 p.m. or Friday 8 a.m. to 4:30 p.m.

To view our Financial Assistance Policy or complete a Charity Assistance application, please click here.


Price Estimations

Graham Hospital is pleased to provide a cost estimate including the out-of-pocket expense for most services. While we make every effort to ensure the accuracy of our estimates, medical care and diagnostic testing may take different turns. This estimate is based upon average cost for the service and information your insurance company shares with us regarding your benefits.  Please note there may be separate charges which are NOT included in this estimate from private physicians such as radiologists, pathologists, anesthesiologists, etc. To place an inquiry for a price estimate please call one of the Patient Financial Advocates at 309-649-6818, Monday – Friday between the hours of 8:30 a.m. and 4:30 p.m.



Accepted Insurance Plans

Graham Hospital and Graham Medical Group physicians participate in many insurance plans.  For your convenience, we have listed some of the most popular health plans in the Canton community.  Because this list of payors may change periodically it is best to contact our Patient Access department or your insurance company to verify benefits and provider participation. If your insurance company is not listed below you may still be able to receive services at Graham Health System.

  • Advanced Correctional Healthcare
  • Atena 
  • Aetna Better Health
  • Aetna Medicare
  • Aetna Work Comp (AWCA)
  • Aetna MMAI
  • Beech Street
  • Blue Cross Blue Shield of Illinois
  • Blue Cross Blue Shield Medicaid
  • Blue Choice
  • Blue Cross MMAI
  • Caterpillar
  • CIGNA HealthCare 
  • HealthLink 
  • Health Alliance - Commercial and Medicare
  • HFN
  • Humana - Commercial and Medicare
  • Immergrun
  • Med-Care Advantage
  • Medicare
  • Medicaid 
  • Meridian
  • Molina Healthcare 
  • Multiplan
  • OSF Direct Access Network
  • UnitedHealthcare Commercial and Medicare
  • VA CCN (UHC)


Account Number — The number assigned by your provider (hospital, physician, home care service, etc.) when medical services were provided.

Adjustment — The portion of your bill that your provider has agreed not to charge you.

Admission Date (Admit Date) — The date admitted for treatment.

Admitting Diagnosis — Words or phrases your doctor uses to describe your condition.

Advance Beneficiary Notice (ABN) — A notice your provider gives you before you are treated, informing you that Medicare will not pay for the treatment or service. The notice is given to you so that you may decide whether to have the treatment and how to pay for it.

Amount Not Covered — The amount your insurance company does not pay, including deductibles, co-insurances and charges for non-covered services.

Ancillary Service — The services you receive beyond room and board charges, such as laboratory tests, therapy, surgery, etc.

Appeal — A process by which you, your doctor or your hospital, can object to your health plan when you disagree with the health plan’s decision to deny payment for your care.

Applied to Deductible — A portion of your bill, as defined by your insurance company, that you owe your provider.

Assignment of Benefits — An agreement you sign that allows your insurance to pay the provider (hospital or doctor) directly.

Attending Physician — The doctor who orders your treatment and who is responsible for your care.

Authorization Number — A number stating that your treatment has been approved by your insurance plan. Also called a Certification Number, Prior Authorization Number or Treatment Authorization Number.

Beneficiary — A person covered by health insurance.

Beneficiary Eligibility Verification — A way providers retrieve information about whether you have insurance coverage.

Benefit — The amount your insurance company pays for medical services.

Bill/Invoice/Statement — A printed summary of your medical bill.

Centers for Medicare and Medicaid (CMS) — The federal agency that runs the Medicare program. In addition, CMS works with the states to run the Illinois Medicaid

Certification Number — A number stating that your treatment has been approved by your insurance plan. Also called an Authorization Number, Prior Authorization Number or Treatment Authorization Number.

Claim — Your medical bill that is sent to an insurance company for payment.

Claim Form — A form provided by your insurance company that needs to be complete before your bill can be paid.

Claim Number — A number assigned by your insurance company to an individual claim.

Coding of Claims — Translating diagnoses and procedures from your medical record into numbers that insurance companies use to pay claims.

Co-Insurance — The cost sharing part of your bill that you have to pay, such as 10%. Your insurance company defines this amount. Your insurance company indicates the amount you are responsible for in your insurance booklet.

Consent — An agreement you sign that gives your permission to receive medical services or treatment from doctors or hospitals.

Coordination of Benefits (COB) — A way to decide which insurance company is responsible for payment, if you have more than one insurance plan.

co-payment (co-pay) — A type of cost sharing whereby the insured person pays a specified flat dollar amount per service or visit, with the insurer paying the remainder amount. For example, $10 per doctor visit, $25 per inpatient hospital day.

Covered Benefit — A health service or item that is included in your health plan and is paid for either partially or fully.

Covered Days — The days that your insurance company pays for in full or in part.

CPT Codes — A coding system used to describe what treatments or services your doctor gave to you.

Date of Bill — Bill preparation date. It is not the same date as the date of service.

Date of Service (DOS) — Treatment date.

Deductible — The amount your insurance company designates you to pay for medical services before your insurance company starts to pay.

Diagnosis Code — A code used at the time of billing to describe your illness.

Discount — The dollar amount removed from your bill, usually because of a contract between your provider (the hospital or physician) and your insurance company.

Drugs/Self-Administered — Drugs that do not require administration from doctors or nurses. Your insurance plan may not cover these when provided during an outpatient visit / observation.

Due from Insurance — The amount owed by your insurance company.

Due from Patient — The amount you owe.

Durable Medical Equipment (DME) — The medical equipment that can be used many times, or special equipment ordered by your doctor, usually for use at home.

Eligible Payment Amount — The medical services paid for by an insurance company.

Emergency Care — Care given for a medical emergency when you believe that your health is in serious danger.

Emergency Department — The part of a hospital that treats patients with emergency or urgent medical problems.

Enrollee — A person who is covered by health insurance.

Estimated Amount Due — The estimated amount you or your insurance company owes.

Explanation of Benefits (EOB/EOMB) — The notice you receive from your insurance company after your bill has been processed or paid. The notice tells you the amount the provider billed, the amount paid by your insurance and what you have to pay.

Financial Assistance Program — Free or reduced rates for care provided to patients with demonstrated financial hardship.

Financial Responsibility — The amount of your bill you have to pay.

Guarantor — The person responsible to pay the bill.

Healthcare Advance Directive — A written document that describes how you want medical decisions to be made if you lose the ability to make decisions for yourself. A healthcare advance directive may include a Living Will and a Durable Power of Attorney for healthcare decisions.

Healthcare Provider — The party that provides medical services, such as hospitals, doctors or laboratories.

Health Maintenance Organization (HMO) — An insurance plan that pays for preventive and other medical services provided by a specific group of participating providers.

HCFA 1500 Form — A coding system used to describe what treatment or services your doctor or provider gave to you.

HIPAA — Health Insurance Portability and Accountability Act — This federal act sets standards for protecting the privacy of your health information.

Hospital-Based Billing — This refers to the billing process for services rendered in a hospital outpatient clinic or department.

Inpatient (IP) — A patient who stays overnight in the hospital.

Insurance Waivers — The services excluded from your insurance policy, such as cancer care or obstetric/gynecologic or pre—existing conditions.

Insured Group Name — The name of the group or insurance plan that insures you, usually an employer.

Insured Group Number — A number that your insurance company uses to identify the group under which you are insured.

Insured’s Name (Beneficiary) — The name of the insured person, who is also referred to as the member.

Liability — The person or persons liable or under obligation for the bill.

Long—Term Care — The care received in a nursing home. Medicare does not pay for long—term care unless you need skilled nursing or special rehabilitation.

Managed Care — An insurance plan that requires patients only see providers (doctors and hospitals) that have a contract with the managed care company, except in the case of medical emergencies or urgent care, if you are out of the plans service area.

Medicaid — A state administered federal and state funded insurance plan for low income people who have limited or no insurance.

Medical Record Number — The number assigned by your doctor or hospital that identifies your individual medical record.

Medicare — A health insurance program for people age 65 and older. Medicare covers some people under age 65 who have disabilities or end—stage renal disease (ESRD).

Medicare Approved — Medical services normally paid for by Medicare.

Medicare Assignment — Providers who have accepted Medicare patients and agreed not to charge them more than Medicare has approved.

Medicare Number — A number and an ID card is assigned to each person covered under Medicare and for identification to providers.

Medicare Paid Provider — The amount of your bill Medicare paid to your provider.

Medicare part A — Usually referred to as Hospital Insurance, it helps pay for inpatient care in hospitals and hospices, as well as some skilled nursing costs.

Medicare part B — Assists with paying for doctor services, outpatient care and other medical services not paid for by Medicare part A.

Medicare Summary Notice (MSN) — The notice provided by Medicare after receiving services from your provider. It tells you what was billed to Medicare, Medicare’s approved payment, the amount Medicare paid and the amount you owe. Also called an Explanation of Medicare Benefits. (EOMB).

Medigap — Medicare Supplement Insurance that pays for some services not covered by Medicare A or B, including deductible and co-insurance amounts.

Network — A group of doctors, hospitals, pharmacies and other healthcare experts hired by a health plan to take care of its members.

Non-Covered Charges — The charges for medical services denied or excluded by your insurance. You may be billed for these charges.

Non-Participating Provider — A doctor, hospital or other healthcare provider that is not part of an insurance plan, doctor or hospital network.

Observation — The type of service used by doctors and hospitals to decide whether you need inpatient hospital care or whether you can recover at home or in an outpatient area.

Out-of-Pocket Costs — The costs the patient is responsible for because Medicare or other insurance does not cover them.

Outpatient (OP) — A service you receive in one day at a hospital or clinic without staying overnight.

Over-the-Counter Drug — Drugs that do not require a prescription. They can be bought at a pharmacy or drug store and be dispensed to patients, while at the hospital or doctors office.

Paid to Provider — The amount the insurance company pays to your medical provider.

Paid to You — The amount the insurance company pays to you or your guarantor.

Participating Provider — A doctor or hospital that agrees to accept your insurance payment for covered services as payment in full, minus your deductibles, co-pays and co-insurance amounts.

Patient Amount Due — The amount your provider charges you for services received.

Pay This Amount — The amount you owe towards your medical bill.

Per Diem — The amount charged or paid by the day.

Policy Number — A number your insurance company gives you to identify your contract.

Pre-Admission Approval or Certification — An agreement made by your insurance company and you or your provider, to pay their portion of your medical treatment. Providers ask your insurance company for this approval before providing your medical treatment.

Pre-Existing Condition — A health condition or a medical problem acknowledged by your health plan before you receive insurance. Some health plans may not pay for health conditions you had prior to becoming a member.

Preferred Provider Organization (PPO) — An insurance plan in which you use doctors, hospitals and providers that belong to the network. You can use doctors, hospitals and providers outside of the network for an additional cost.

Primary Care Physician (PCP) — A doctor whose practice is devoted to internal medicine, family and general practice or pediatrics. Some insurance companies consider Obstetrician or Gynecologists primary care physicians.

Primary Insurance Company — The insurance company responsible for paying your claim first. If you have another insurance company, it is referred to as the Secondary Insurance Company.

Prior Authorization Number — A number stating that your treatment has been approved by your insurance plan. It is also referred to as an Authorization Number, Certification Number or Treatment Authorization Number.

Procedure code (CPT Code) — A code given to medical and surgical procedures and treatments.

Provider Contract Discount — A part of your bill that your provider must write-off because of billing agreements with your insurance company.

Provider — A hospital or physician who provides medical care to the patient.

Reasonable and Customary (R & C) — The costs for medical services that insurers believe are appropriate throughout a geographic area or community.

Referral — Approval needed for care beyond that provided by your primary care doctor or hospital. For example, managed care plans (HMO’s) usually require referral forms from your primary care doctor to see a specialist or for special procedures.

Release of Information — A signed statement from patients or guarantors that allows providers to release medical information so insurance companies can pay claims.

Remittance Advice — The explanation the hospital receives, usually with payment, from your insurance company after your medical services have been processed.

Responsible Party — The person responsible for paying your hospital bill, usually referred to as the guarantor.

Revenue code — A billing code used to name a specific room, service or billing sum.

Service Area — A geographic area where insurance plans enroll members. In an HMO, it is also the area served by your doctor network and hospitals.

Service Begin Date — The date your medical services or treatments began.

Service End Date — The date your medical services or treatments ended.

Skilled Nursing Facility — An inpatient facility in which patients that do no need acute care are given nursing care or other therapy.

Source of Admission — The source of your admission whether it is a referral, transfer or through the emergency room.

Specialist — A doctor who specializes in treating certain parts of the body or specific medical conditions.

Statement Covers Period — The dates your service or treatment begin and end.

Supplemental Insurance Company — An additional insurance policy that handles claims for deductible and co-insurance reimbursement.

Total Charges — The total cost of your medical services.

Type of Admission — The reason for your admission, such as emergency, urgent or elective, etc.

UB-04 — A form used by hospitals to file insurance claims for medical services.

Usual and Customary (U & C) — The costs for medical services that insurers believe are appropriate throughout a geographic area or community.