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Billing and insurance

Bill payment made easy

Understanding your healthcare bill can seem confusing sometimes, but we are here to help. Novant Health UVA Health System Culpeper Medical Center wants to ensure that you are knowledgeable and informed when it comes to understanding your billing and insurance responsibilities.

Billing

Your insurance is a contract between you and your insurance company, and you have ultimate responsibility for payment of your hospital bill. However, Novant Health UVA Health System Culpeper Medical Center will ensure that your bills are submitted to your insurance company, and we will do anything else necessary to expedite resolution of your claim. When we file an insurance claim for you, we expect payment within 45 days. If no payment has been received from your insurance carrier, if you do not respond to your insurance carrier's request for information or if we cannot determine the cause for further delays, we will look to you to pay your account.

Types of charges

Charges fall into two categories: a basic daily rate for inpatient stays, which includes your room, meals, nursing care, housekeeping, telephone and television; as well as charges for special services, which include items your physician orders, such as laboratory tests and X-rays.

Separate bills for specialty care

In addition to your hospital bill, you may receive bills from providers for certain tests or treatments. These bills are for professional services provided by physicians (you may or may not have seen personally) in diagnosing and/or interpreting test results. Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to send a separate bill. If you have questions about one of these bills, you will need to call the number printed on the statement you receive.

Cost estimator tool

At Novant Health, we want you to be able to focus on what’s most important: getting and staying well. We are committed to helping you understand the cost of procedures and services so that you can make the most informed healthcare choices possible. That includes providing access to our online price estimator tool as well as access to our dedicated financial navigator team. Our online price estimator tool helps patients by displaying the out-of-pocket prices associated with many of the common procedures and services we offer. Our dedicated financial navigator team is also available to help you understand these estimates and what they can expect to pay for care.

Price estimator tool for Prince William Medical Center and Haymarket Medical Center

If you are planning your care at Novant Health UVA Prince William or Haymarket Medical Center

Estimate your healthcare costs

Price estimator tool for Culpeper Medical Center


If you are planning your care at Novant Health UVA Culpeper Medical Center
 

Estimate your healthcare costs

Financial navigators

It is important to speak with a navigator before you receive treatment, and getting access to our financial navigator services is quick and convenient. One of our financial navigators will ask you about your insurance and the medical procedure you are considering, and then provide you with an estimate of the procedure’s cost as well as payment options. The best way to understand what you will pay for care is to work with your insurer and with our dedicated financial navigator team. We offer financial counseling for all patients, and our team is here to support you and help you make the most informed healthcare choices possible.

To access a financial navigator please call 703-369-8020 (or call 540-829-4320 for Culpeper), Monday through Friday, 8 a.m. to 5 p.m. Voicemail is available for after-hours or weekend calls.

Health insurance coverage

Prior to your hospital visit, familiarize yourself with the terms of your health insurance coverage. This will help you understand the bills you receive for your care and treatment.

Please bring a copy of your insurance card/information to the hospital when you are admitted, if you have coverage. Deductibles and/or copay amounts are expected at the time of service. Based on the extent of your coverage and deductible amounts, you will be asked to pay a deposit. You will also be asked to assign benefits from your insurance company directly to the hospital.

Medicare

If you are covered by Medicare, please bring a copy of your Medicare card so we can verify your eligibility and process your claim. Copayments and deductible amounts are the patient's responsibility. It is important to note that Medicare excludes payment for certain items and procedures, such as personal comfort items, cosmetic surgery, hearing evaluations, some oral surgery procedures, dental care, routine foot care and more.

Medicaid

If you are covered by Medicaid, please bring a copy of your Medicaid card with you. Medicaid has certain items and procedures that are not covered under its program.

HMO/PPO

If you are covered under an HMO (Health Maintenance Organization) or a PPO (Preferred Provider Organization), there may be special requirements for coverage, such as a second surgical opinion or pre-certification for a certain test or procedure. It is important that you make sure the requirements have been met, or your plan can deny payment, leaving you responsible for payment of those costs. If your physician does not participate in your healthcare plan, services rendered may not be covered by your insurance.

Financial assistance program »

Patients who have no insurance coverage will automatically receive a 55 percent discount at the time of service. This discount is granted prior to any payment arrangements and/or financial assistance you may be qualified to receive.   This discount will be credited to your account upon receipt of payment in full. If you do not have insurance coverage, you will be asked to pay your account in full unless prior arrangements are made. The hospital accepts MasterCard, Visa and Discover card.

Pay your bill online

You can now pay your bill online. All you need is your statement ID and password, which are printed on your statements.