About Your Bill
Covenant Health is committed to providing high quality, compassionate health care to all patients, regardless of their ability to pay. Medically necessary care should not be delayed because you don’t have health insurance or you’re unable to pay your hospital bill. Covenant Health understands health insurance benefits are confusing. Most plans do not provide 100% coverage for a hospital bill. Each plan has its own set of rules, exclusions and services that are not covered.
It is important for you to get involved in your health care and become familiar with your specific benefit plan so you get the most out of health care. If you are unsure of your coverage for a particular medical procedure or test, you should call the customer service telephone number on your insurance card before scheduling a procedure.
Your insurance policy is a contract between you and your insurance company. As a service to you, Covenant will send a claim to your insurance company for all services we provide to you. By working together, we can minimize misunderstandings, payment delays and billing costs. Please be aware, you are responsible for any charges not covered by your benefit plan and Covenant Health provides counseling services to answer your questions prior to receiving service.
Depending on your plan, you may be required to get approval (pre-certification) before you receive hospital services. Even in a life-threatening situation, your benefit plan may require you to contact them within 24 hours of receiving hospital care. We will assist you in doing that, but if you don’t obtain approval from your insurance company, you may be responsible for paying for your hospital care. Also, obtaining approval does not guarantee that the cost of the service is completely covered by your benefit plan. If Covenant Health does not participate in your insurance plan, you can in most cases still receives services at our facility. Please be aware, if your insurance does not participate with Covenant Health, your insurance company will consider our services as “out of network” and you will probably be responsible for paying more out of your pocket.
Billing Update for COVID-19 Testing, Vaccination and Care
Recently, a federal government program that helped to cover costs of COVID-19 testing, vaccination and care ended. Now, patients may receive a bill for certain COVID-19 health care services. If you are worried about paying your medical bill, please contact 855-229-6466. Covenant Health patients experiencing financial hardship have access to many forms of assistance.
You May Receive More than One Bill
After you are discharged from Covenant Health, you will receive an itemized statement reflecting daily charges, including supplies and support services, such as x-rays and anesthesia. You will also receive separate statements/bills from the physicians involved in your care and treatment. This includes your physician, surgeons, pathologist who interprets laboratory test results, anesthesiologists who administer the anesthesia and radiologists who read and interpret your radiology exams and forward the results to your physician or the emergency room physician. Please see the list of “sub providers” and their contact information provided on our website.
Once your insurance company has paid on your account, you will receive a bill, showing your patient responsibility based on your health insurance plan. If you are not able to pay your bill in full, please contact Customer Service where we can help you by setting up a payment plan or determine if you may qualify for financial assistance.
Your Rights and Protections Against Surprise Billing (Balance Billing)
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing. Learn more about your rights.
A copy of your rights is available in the following translations:
Covenant Health medical centers are contracted with most major health plans, including HMOs, PPOs, EPOs, PPS, Medicare and Medicaid. Please contact your health plan for verification of coverage.
All patients should familiarize themselves with the terms of their insurance coverage. This will help you understand the hospital's billing procedures and charges. If there is a question about your insurance coverage, a member of the Admitting Department will contact you or a family member while you are at the hospital.
Proof of health insurance
We will need a copy of your identification card. We also may need the insurance forms, which are supplied by your employer or the insurance company.
Managed Care/HMO insurance
Covenant Health accepts many of the most common HMO insurance plans. However, most managed care plans have strict provisions and policies in regard to seeking care. We encourage all our patients to familiarize themselves with their plan and ensure that they have satisfied all requirements before seeking care.
Covenant Health accepts Medicare Parts A and B. Your Medicare Part A insurance covers in-patient hospitalization. Part B provides benefits for medical services, including ambulatory surgery, emergency services, physician services and outpatient diagnostic testing. For questions about which types of benefits you receive, check your Medicare card. This information will be listed along with effective dates.
Medicare Part A payments to hospitals are based on services rendered. You will be billed for services until your deductible is met as well as any co-payments you owe based on predetermined guidelines formulated by the government. For more information, visit the Medicare website.
Covenant Health is a Medicaid provider. Medicaid covers almost all aspects of health care, including emergency room treatment, in-patient hospitalization, outpatient diagnostic testing, physician services and more.
If you feel you are eligible for Medicaid, visit the Medicaid website or call the state Medicaid office at 877-541-7905.
If you do not have insurance or if you are seeking care that's not covered by your insurance plan, you are considered a self–pay patient. Payment is required within 30 days of billing.
What to Do if You Can't Pay Your Bill
If paying your bill creates a financial hardship, you can apply for financial assistance. Partial or full financial assistance may be available based on established guidelines. Consideration for assistance includes the patient's (or responsible party's) income level, existing debt, assets, number of people in the home, and other indicators of inability to pay.