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.
Call your health plan to:
Before You Go to the Hospital
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.
- A precertification and referral provide authorization for you to have a service/ procedure.
- You are responsible for the portion of
your bill that is not paid by your health plan,
which includes co-pays, deductibles and
- You will be responsible for payment at the time of your medical or surgical service.
- 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”
- 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 go to www.Virtua.org, click on Patient Tools, click on Patient Price Estimate and fill out the 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
- 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
- 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.