Hospital Charges Information

Simplify Your Choices

Consumers have more choices than ever for deductibles, co-pays, monthly premium payments and more.

While all the options can be confusing, keep in mind one basic similarity between health insurance and every other type of insurance: a lower premium generally means a higher deductible.

Your health care insurance company – and the plan you selected – determines how much you will pay at the time of a health care service. Whatever type of insurance you chose, you should know what your plan covers – and what you will be responsible for – before a hospital visit so you can be prepared.

Before You Go to the Hospital

Call your health plan to:

Confirm that Virtua is in-network
  • By choosing a hospital that is in your health plan’s network, a portion of your hospital costs will be paid by your health plan.

  • If you go to a hospital that is out of your health plan’s network, your health plan may not pay anything.
Get a precertification or referral if your health plan requires it
  • A precertification and referral provide authorization for you to have a service/ procedure.
Confirm your co-insurance, co-pays, and deductibles
  • You are responsible for the portion of your bill that is not paid by your health plan, which includes co-pays, deductibles and co-insurance.

  • You will be responsible for payment at the time of your medical or surgical service. 
Get an estimate of your hospital medical cost for any procedure, surgery or test
  • First, ask your doctor for the specific codes for all you will have done. Your doctor will provide you with the “CPT” (procedure) code and “ICD” (diagnosis) code.

  • Ask your doctor how long you will likely stay in the hospital.

  • We can help you estimate your out-of-pocket expenses for a procedure or test performed at Virtua. Call 856-355-2000 or fill out the online Patient Price Estimate form. Inquiries made Monday through Friday will receive a response within 24 hours.

Virtua Patient Accounting

Virtua’s Patient Accounting team can help you plan ahead for out-of-pocket expenses designated by your insurance.

Knowing what to expect in your hospital bill will help you to prepare for your expenses and allow you to focus on getting well. Here is other helpful information:

  • Virtua will bill your insurance company directly.

  • You will be charged for any deductibles, co-insurance, and/or co-pays.

  • If your insurance company denies payment, you may be responsible for a portion or the full amount of your bill.

  • You can appeal your health plan’s decision not to pay a bill. Contact Virtua Patient Accounting for guidance: 856-355-2000.

  • You will get a separate bill from each physician who provides services, such as:
    • Anesthesiologists, cardiologists, pathologists, radiologists and emergency doctors
    • Only the physician’s office listed on the bill can answer questions about those bills.
  • To get a copy of your hospital bill, call Virtua Patient Accounting at
    856-355-2000.

  • Total payment is expected for the patient’s portion of the bill at the time of service or when released from the hospital. Cash, checks, money orders and credit cards are accepted. Monthly payment plan can be arranged in some circumstances.

Resources

Standard Charges

Virtua is committed to providing our consumers with resources to help them understand and make important health care decisions, including general information about services and charges. In accordance with federal requirements, Virtua provides information on its standard list of hospital charges.

 

The following hospital charges are the same for all, but an individual’s responsibility may vary, depending on payment plans negotiated with individual health insurers. Additionally, the amount an insurance company reimburses Virtua will vary from the charges listed.

 

Charges are not the same as prices; charges are like a sticker price that is negotiated down for virtually all healthcare customers. They’re contained in a large report called a chargemaster.

 

Information is also available via our Patient Price Estimate form or by contacting a financial counselor at 856-355-2000.

Financial Assistance

If you are uninsured, you may qualify for a number of different financial assistance options.

 

Virtua Financial Counselors are at Virtua Marlton, Memorial (Mt. Holly), and Voorhees hospitals and at Virtua Camden.

 

They can help you determine if you qualify for hospital assistance programs. They can also help you enroll in Medicaid if you are eligible.

 

Please call toll free at 1-888-625-2890 for information or assistance from Virtua Financial Counselors.

Terms to Know

Co-pay
The amount an insured patient must pay for the cost of a doctor visit or other medical service.

Co-insurance:
The percent of your insurance that you share with your insurance carrier. If you have an 80/20 plan, you pay 20% of the full cost in addition to your deductible.

Deductible:
The amount you owe for covered health care services before your health insurance plan begins to pay. For example, if your deductible is $1,000, your plan won’t pay anything until you’ve paid $1,000 for covered services.

Out-of-pocket maximum:
The total of an insured’s costs, including all co-pays and co-insurance amounts.