Billing Overview

This section will help you understand the patient billing process and answer some of our patients' most frequently asked questions.

The Process 

Virtua will bill your insurance company directly after services are rendered. You may be responsible for a portion of your bill depending upon your insurance coverage.

See the following pages for billing information:

Billing FAQs

How do I know if Virtua contracts with my health plan?
Call your insurance provider to check to see if Virtua is in-network. Some insurance policies require you to visit hospitals and physicians to receive full insurance benefits. See our list of accepted health care plans.

What if I don't have health insurance?

There are a couple of options for uninsured patients. First, patients can apply for state charity care. Charity Care is free or reduced charge care provided to patients who do not have health insurance and meet certain income and asset criteria. Second, Virtua offers a Charity Assistance Program. The program aids uninsured patients that may not qualify for Charity Care.

Will Virtua send my hospital bill to my insurance company or will I have to?
We will bill any insurance company for which you have provided us complete information (i.e., address, policy number, group number). We must have signed authorization permitting us to file a bill with your insurance company.

Can I see a list of standard charges?
In accordance with federal requirements, Virtua provides information on its standard list of hospital charges.

What billing information will I receive from Virtua?

If we do not receive payment from your insurance company, you'll receive statements from Virtua asking you to contact your insurance company to get the bill processed.

How long will it take to get things settled with the insurance company?
Generally it takes 45 to 60 days to obtain payment from an insurance company. We'll work with them to resolve your bill. If your insurance company denies payment, you are then responsible for your bill.

How can I find out if my insurance company has paid my bill or how much they have paid?

Contact your insurance company for an explanation of benefits.

Can I appeal my health plan’s decision?
The Affordable Care Act ensures your right to appeal health insurance plan decisions – to ask that your plan reconsider its decision to deny payment for a service or treatment. Under the New Jersey Health Care Quality Act, certain individuals have the right to dispute a decision by a health insurance company or health maintenance organization or health service corporation (a carrier) concerning the medical appropriateness of requested covered services. If your plan still denies payment after considering your appeal, the law permits you to have an independent review organization decide whether to uphold or overturn the plan’s decision. For more information, view Individual’s Right to Appeal Health Insurance Determinations.

How can I get a copy of my hospital bill?
Call the Patient Accounting Department at 856-355-2000. They are open 9 am to 4 pm, Monday through Friday. Or write to: Virtua Patient Accounting, 2000 Crawford Place, Suite 100, Mt. Laurel, NJ 08054.

My insurance company has paid part of my bill, but I don't understand how they calculated the payment amount. Can you help?
For any questions about insurance payments, deductibles or co-payments, please contact your insurance company. If we have received information from your insurance company, we'll be glad to share it with you.

Why am I receiving bills from physicians?
Each physician who provides services will send you a separate bill from his/her office. These may include:

  • Your primary physician
  • Others who conducted tests and procedures
  • Consulting physicians asked by your primary physician to read and interpret test results. Examples include anesthesiologists, cardiologists, pathologists, radiologists and doctors in emergency medicine, nuclear medicine or urodynamics.
If you have any questions about these bills, please call the physician's office listed on the bill.

Does Virtua offer payment plans?
Total payment is expected for the patient's portion of the bill at the time of service or discharge. We accept cash, checks, money orders and credit cards. If you are unable to pay the full balance you can set up a monthly payment plan based on an approved schedule. Please call us toll-free at 833-335-4010.

Am I eligible for the State of New Jersey's Charity Care Program?
To learn whether or not you quality for this program, please call toll-free 1-888-625-2890 from Monday through Friday from 8:30 am to 5 pm.

Virtua also offers a Charity Assistance Program for patients who do not qualify for the Charity Care Program.

I think there's an error on my bill. Who should I contact?
For all billing questions, call the Virtua Patient Accounting Department at 856-355-2000 from 9 am to 4 pm, Monday through Friday. If we find an error and your insurance company has been billed, we'll forward a corrected bill to the insurance company. 

What if I have questions?

Virtua's billing professionals will help you along the way. To help answer any billing inquiries, particularly reduced fee assistance and charity care questions:

  • For questions related to your bill, call 833-335-4010
  • For questions related to financial assistance and charity care, call 888-625-2890 to speak with our Virtua Financial Counselors

Deficit Reduction Act

  • Virtua complies with the Deficit Reduction Act of 2005 and has policies and procedures to detect and prevent fraud, and provides protections for those who report actual or suspected wrongdoings.