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Billing and insurance

Helping you with your billing and insurance needs

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

For questions regarding your bill or insurance, please contact a financial counselor at:

703-369-8020

Your hospital bill will include the following information:

  • Fees for diagnostic laboratory and imaging tests
  • Special treatments
  • Supplies and equipment
  • Operating and recovery room care
  • Dietary supplements
  • Medications

Note that your hospital bill may not include fees from your attending doctor, medical consultant fees or services of contract physicians including imaging, anesthesiology, psychiatry and pathology.

Paying your hospital bill

It is important to know the terms of your health insurance policy and what it covers. Haymarket Medical Center's business office will assist you with filing insurance claims to help expedite payment of your account. We allow 60 days from the date we bill your insurance company for payment.

Many healthcare insurers require precertification / authorization before or within 24 hours after hospitalization and will reduce or deny payments if this policy is not followed. You must call your insurance company to ensure precertification is obtained.

If you are advised of charges that will not be covered with your insurance or, if you believe you will have difficulty paying the bill, it is important that you contact a financial counselor as soon as possible at 703-369-8020. Delays may cause problems in obtaining public financial assistance or may lead to collection action.

If you have not received notice of payment from your insurance company within 30 days after hospital discharge, we encourage you to contact your health insurance company directly and request prompt payment to the hospital.

Cost estimates and financial navigator services

Haymarket Medical Center offers free financial navigator services to help estimate insurance coverage and out-of-pocket expenses for a wide range of medical and surgical procedures – including imaging. Call 703-369-8020, Monday through Friday, from 8 a.m. to 5 p.m. for help calculating your hospital medical costs. 

Expenses not covered by insurance

Deductibles, co-insurance and other charges not covered by your health insurance will be requested at the time you are registered. A deposit on such charges may be requested prior to your discharge from the hospital. (If you provide accurate secondary insurance information, you will not be requested to pay these charges.) If you are unable to pay such charges at that time, payment arrangements must be made through one of our financial counselors. The hospital will accept cash, personal or traveler's checks, and most major credit cards. Our financial navigators will be happy to answer any questions you may have concerning payment.

If you request a private room and there is no documented medical need, most insurance carriers will not cover this charge. You will be required to make a deposit for the difference between the private and semi-private rates three days in advance or at the time of discharge.

Unpaid bills

Payment for services rendered is the primary source of operating income for the medical center; therefore, we cannot afford to extend unlimited credit and must require timely payment of bills.

Unfortunately, we have to take collection action on unpaid accounts. Following the recommendations here will alleviate the need for such action. We appreciate your following the payment guidelines regarding your specific insurance coverage. Your support in ensuring reimbursement for medical bills will enable us to continue meeting the healthcare needs of our community.

Self-pay patients

For your convenience, we accept most forms of payment including cash, checks, Visa, MasterCard, American Express and Discover credit cards. All patients are eligible for an individual payment plan based on the amount due and the patient's financial status, with terms extending up to five years.

If you are a self-pay patient, certain deposits may be required before your procedures. These services include:

  • Inpatient services - For elective, non-emergency procedures, a $1,000 deposit will be requested when you register.
  • Outpatient services - Payment in full will be requested when services are rendered.
  • Emergency care - A $180 deposit will be requested at the time of discharge.
  • Outpatient surgery - A minimum deposit of $1,000 will be required at the time of registration with an acceptable payment arrangement.
  • Physical therapy and rehabilitation services - A deposit of $100 will be requested at the time of registration.

Payment will be accepted in the form of cash, check or major credit card. If you are unable to pay, contact our financial counselors to make acceptable payment arrangements. Elective, non-emergency procedures may need to be rescheduled if financial arrangements cannot be made.

Blue Cross plans / commercial and indemnity plans

Individual health insurance plans may differ in the benefits and coverage they provide. Present your insurance identification card when you register.

  • Inpatient services - Payment of policy deductibles, co-payments or any additional, non-covered charges will be required at admission. Emergency / urgent admissions will require a deposit prior to discharge.
  • Outpatient services (includes same-day surgery) - When you register, a deposit will be required for policy deductibles or co-payments.
  • Emergency services - To cover deductibles and co-insurance, a deposit will be requested at the time of discharge.
Managed care / HMO / PPO plans

Individual health insurance companies provide different coverage and benefits. Present your identification card when you register.

  • Referral inpatient services - Payment of policy deductibles or co-payments will be requested at the time of registration. Emergency / urgent admissions require a deposit on non-covered charges, deductibles or co-insurance prior to discharge.
  • Outpatient services (includes same-day surgery) - When you register, a deposit will be requested for policy deductible or co-payments.
  • Emergency services - To cover deductibles and co-insurance, a deposit will be requested at the time of discharge.
Medicare and Medicaid

If you have Medicare, receive inpatient services and have not been admitted to the hospital in the past 60 days, the current year's deductible will be requested at the time of admission if no secondary insurance is in effect. A deposit will be requested at the time of discharge to cover all deductibles and co-insurance after you have received emergency services.

If you have Medicaid, present your card when your register. If you do not, you will be registered as a self-pay patient until you furnish the appropriate information.

Automobile accident billing

We want to ensure that you receive the best possible care for emergency services. In the event of an automobile accident, we will send the bill for medical services to the patient or guarantor. We request that you provide all necessary information to the appropriate automobile insurance carrier for payment. While you await reimbursement, the hospital requests that you speak with one of our financial counselors at 703-369-8020 to make suitable payment arrangements.

Workers' compensation

In the event of a work-related accident, the hospital will submit your bill for confirmed and authorized workers' compensation-covered injuries to the appropriate workers' compensation insurance carrier. If your injury is not confirmed and authorized by workers' compensation, the hospital will accept information and bill your commercial carrier approximately three to five days after your visit.

If you have any questions regarding your bill or health insurance, contact a financial counselor at 703-369-8020.