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Patient Financing Program Puts Focus Back on Patient Care

Gibson Area Hospital

Located in Gibson City, Illinois, Gibson Area Hospital and Health Services serves the residents of 40 area communities. Like many health systems, one of Gibson’s biggest challenges is increasing patient out-of-pocket expenses.

Recognizing a growing number of patients are struggling with high deductibles or high co-pays, Gibson began searching for solutions. As a small critical access hospital, Gibson needed a solution that would not only help patients get out of healthcare debt but also improve its cash flow.

The CommerceHealthcare® Health Services Financing (HSF®) program was the perfect match.

"We can’t really carry a large balance for patients. So we teamed up with Commerce Bank to be able to offer those opportunities where people can make payments on a monthly basis at something they can afford and at the same time the hospital receives full payment." John Courier, Executive Director of Revenue
The HSF® program’s no-interest line of credit really got the attention of patients. The program’s flexible options and streamlined process was a great advantage for Gibson’s staff. Patients can apply for the HSF® program online or over the phone. It doesn’t require a credit check or lengthy application paperwork.
"It really is a stress relief for patients. And that is a huge reason for having this kind of program available to our patients." Rob Schmitt, Chief Executive Officer
Since HSF® is a web-based program, Gibson didn’t have to worry about HSF® interfacing with its software systems.
"We are going to be pushing it to all our clients, all our patients, and we are looking forward to a long-term relationship with Commerce." Rob Schmitt, Chief Executive Officer

By approaching healthcare financing in a different way, Gibson Area Hospital is empowering patients to make informed decisions about their health and finances. The program can help patients get out of debt when it comes to their healthcare bill and focus on what really matters: good health.

For more information on Health Services Financing (HSF®), click here.