Financial Arrangements Overview

Hospital and physician bills along with health insurance claims can be confusing. We’re here to help you make sense of it all.

At Overlake, our goal is to help you have the best experience possible as a patient in our hospital and clinics. Part of that great experience is understanding ahead of time what your anticipated out-of-pocket costs will be for the services you receive. While costs vary widely based on the provider you choose and your care path, Overlake is here to help you make an informed decision about the cost of the care you are planning to receive.

See below for information about our Charity Care program.
Health Insurance Available

Because of the Affordable Care Act, everyone has more choices for getting health insurance coverage. Depending on your income, you may be able to get health coverage for you and your whole family at no cost or low cost through the Washington Health Benefit Exchange. For most people, it will also be a very simple, very fast process to enroll in coverage.

The health insurance offered through the Exchange is required by law to cover doctor and emergency room visits, prescriptions, maternity care, and preventive care like cancer screenings and immunizations. It is comprehensive, employer-like coverage available to everyone. In addition, no one will be denied coverage because they are sick or have a pre-existing condition.

HOW: You can sign up for health insurance online at; or, contact the Washington Health Benefit Exchange call center at 1.855.WAFINDER (1.855.923.4633) or TTY/TTD 1.855.627.9604.

Financial Policy

Overlake Medical Center is known for the high quality of care we provide to our patients. An important part of our service is advising you of financial assistance that may be available to help pay for your care. It also is our duty to share with you information on the deposit requirements and your financial responsibility for services provided throughout your care.

Payment of identified co-payments and deductibles are appreciated at the time services are rendered unless prior financial arrangements have been made.

Financial Counselors

Overlake offers a full range of financial services to aid patients seeking a funding source. A financial counselor is available by calling 425-688-5655 or fill out our Contact Us Form. Our office is open Monday through Friday, 8 a.m. to 5 p.m.

Insurance Billing Information


The hospital will gladly bill your insurance company for your hospitalization when the proper information is given and benefits are assigned. Follow-up with the insurance company will be made to assure timely payment for insurance portions.

Your hospitalization coverage is a contract between you and your insurance company. While we will bill your insurance carrier as a service to you, you are ultimately responsible for your account with us. Any portion of charges not covered by your insurance company will be due at the time those charges are identified, with the exception of elective cosmetic procedures, which must be paid prior to the procedure.


The hospital will gladly bill your insurance company when the proper information is given and benefits are assigned. You are responsible for acquiring proper referral information from your primary care provider and/or your insurance company prior to your scheduled appointment. Your physician may fax the referral directly to our financial counseling office at 425.688.5969 or you may bring it with you on the date of service.

In all cases, please review your medical benefits information provided by your employer, in particular, any requirements related to co-payments, co-insurance, deductibles, non-covered services, referrals and authorizations.

Charity Care

No man, woman or child should ever go without healthcare simply because they are unable to pay for it. Thanks in part to our generous and compassionate donors, over the last three years Overlake provided over $16 million in charity care. See our charity care policy.

Financial Assistance + Charity Care Programs

We recognize that financial difficulties may accompany the receipt of healthcare services and we want you to know that we offer programs to assist you. These programs are not available for elective cosmetic procedure cases.

If you have questions about any of the programs listed below, please contact our financial counselor at 425-688-5124 or fill out our Contact Us Form.

Prompt Pay Discount Program

This program is available only for medically necessary services where there is no insurance coverage and the guarantors do not qualify for our Financial Assistance Program. This program is also applicable to patients who are eligible under a medical insurance program but have no insurance coverage because they have maximized their benefit limits. The patient is granted a 30% discount from the total account charges by paying the full balance to Overlake Medical Center and/or Overlake Medical Clinics within 30 days of the date of the first billing statement.

Extended Payment Plan Program

We are happy to work with you to establish an interest free payment plan. The actual monthly payment and length of the contract will be dependent upon your outstanding balance. All payment plans require that you make a monthly payment based on the contracted schedule and amount established by Overlake’s financial counselors.

Charity Care Programs

This program is available to provide financial assistance with the patient responsibility portion of your claim after insurance has made payment or where no insurance benefits exist. Depending on your specific financial situation at the time of service, you may qualify for a discount of 65 to 100 percent off the balance of your account. The amount of the discount is highly dependent on your income as compared to federal poverty guidelines.

To apply for this program, you will need to complete a Financial Assistance/Charity Care Application before or after services are provided and/or as soon as you are aware of your financial responsibility. This program will require you to provide specific information about your income.

Overlake Hospital Association reserves the right to run a healthcare-related credit check that does not impact your credit rating during the application process. Financial assistance is only applicable after all other payment options have been received, including DSHS and third-party liability cases, such as auto or other accident coverage. 



Charity Care Policy

2016 Federal Poverty Guidelines

Self Pay Policy

2-1-1 Community Resources Online

King County 211 logo

To access links to a variety of health and human services resources available to King County residents click here.

Translated Financial Assistance/Charity Care Forms

See our financial assistance and charity care forms that have been translated into their respective languages.

2-1-1 Community Resources Online 

To receive basic, facility-specific information about services and charges provided in Washington hospitals, visit

Washington State Hospital Association logo

Cost Estimates

Please see our cost estimator page for detailed information about estimating the cost of your care.

Price Transparency

The information provided represents average charges. Many factors influence the actual amount you will be billed and how much out-of-pocket cost you will owe. View the price transparency document.

Patient Rights

Patient Rights

Overlake believes you have both the right and the responsibility to be an active participant in your healthcare. There are often difficult decisions that need to be made when dealing with your health. Overlake provides these resources in hopes that some of your decisions will be clearer and easily understood. If you are unclear about any decisions placed before you, ask your nurse or physician for further clarification and she or he will be able to assist you.

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