Insurance & Billing
Insurance
You should be certain that you are familiar with the terms of your insurance coverage. This will also help you understand the hospital bills for your care and treatment.
Health Insurance Coverage
If you have health insurance, please bring a copy of your insurance card/information to the hospital when you are admitted. Deductibles and/or co-pay amounts are expected. 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. Co-payments and deductible amounts are the patient's responsibility. It is important you know 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 (managed care plan) or a PPO, you should find out if there are any 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(s) do not participate in your healthcare plan, their services may not be covered.
No 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.
Billing
Your insurance is a contract between you and your insurance company, and you have ultimate responsibility for payment of your hospital bill. However, Culpeper Regional Hospital (CRH) 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 no later than 45 days after. If no payment has been received from your insurance carrier, if you do not respond to your insurance carrier's request for information, or we cannot determine the cause for further delays, we will look to you to pay your account. Your insurance policy is a contract between you and your insurance company, not between your insurance company and the hospital.
What Kind of Charges Will I See?
Charges fall into two categories: a basic daily rate for inpatient stays, which includes your room, meals, nursing care, housekeeping, telephone, and television and charges for special services, which include items your physician orders, such as laboratory tests and x-rays.
Why Am I Receiving Separate Bills for My Hospital Visit?
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.
Questions About Your CRH 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 protected].
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