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.
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.
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.
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.
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.
Patients who have no insurance coverage will automatically receive a 20 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. Uninsured patients who pay their account in full within 30 days of the date listed on the initial statement will qualify for an additional 15 percent discount. 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.
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.
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.
Visit our online bill pay portal
Questions about your Culpeper Medical Center bill?
Our phone numbers are printed on our statements for your convenience. If you have questions, please call us at 866-608-4749 or email your question to email@example.com.