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Financial Information
Catawba Valley Medical Center strives for excellence from quality patient
care to quality business operations. We strive to provide quality healthcare,
promote physical, mental, emotional, and spiritual well being of the public
served and to be a center of health education, wellness services, preventive
medicine and acute care throughout Catawba County and surrounding areas.
We understand that healthcare costs can be expensive and often unexpected.
CVMC offers multiple payment options to fit the patient’s financial needs.
Insurance Claims Filing
Insurance claims are submitted when complete and accurate information is
received. We submit forms as a courtesy service for patients. Please note
that submitting insurance claims is not a guarantee of payment from the
insurance carrier.
Please present a current insurance card when registering and checking in
for services. The information on the card is important for correct identification
of insurance benefits. Your insurance company may have a timely filing
deadline that must be met in order for your benefits to be paid, so please
provide cards as soon as possible.
Co-Pays and Deductibles
Patients with commercial or managed care coverage are responsible for paying
co-pays, deductibles and fees for non-covered services at the time of
service. Please review your insurance policy benefits. If you have questions
about coverage, contact your employer or insurance company.
Prior Authorization/Pre-certification
Many insurance companies require prior authorization or pre-certification
for medical services. CVMC makes attempts on your behalf to provide information
requested by your insurance company including contacts to your physician’s
office which will allow your insurance company to make a coverage determination.
Worker’s Compensation
If you are hurt as a result of an injury on the job, Catawba Valley Medical
Center will bill your employer or your employer’s Worker’s
Compensation carrier. In cases where Worker’s Compensation denies
the claim or services received include work-related as well as non-work-related
healthcare services, your health insurance information will be needed.
Medicare
We will submit Medicare claims for patients. Patients are responsible for
deductibles, co-insurance and amounts for non-covered services.
- Medicare Part A – covers inpatient hospitalization services
- Medicare Part B – covers outpatient hospital services and medical
(physician) services
- Medicare Part C – covers various healthcare services based on your
benefits and is considered Medicare Managed Care
- Medicare Part D – covers retail pharmacy items and are not billable
services for Catawba Valley Medical Center
Business Services submits insurance claims for Medicare supplemental insurance
when accurate and complete information has been provided.
Medicaid
We will submit claims to Medicaid if you have presented a current valid
card or verification of coverage has been obtained through the Department
of Social Services. You may be responsible for a portion of the charges
if Medicaid determines a co-pay or deductible is due.
Medicaid Beneficiaries: Don’t miss out on important North Carolina Medicaid and NC Health
Choice benefits information! If your
phone number, mailing address, household size or income have changed, call or visit your local Department of Social Services (DSS) (https://ncdhhs.gov/localdss) to update your information. If there have been no changes to your personal
information, then no action is needed. Be sure to read all mail from your
local DSS office.
Did you know you can also update your address and other information for
Medicaid online? ePASS is North Carolina’s secure self-service website
where you can apply for various benefits, view case details, renew your
Medicaid and update your information without having to visit your local DSS.
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Visit
https://epass.nc.gov from a computer or mobile device to sign up for ePASS
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For additional information or help with your ePASS account, see the ePASS
fact sheet “What is ePASS?”
Long-Term Payment Program
Some patients are unable to pay balances in full and need extended time
to pay for services. CVMC has partnered with AccessOne, a long-term financing
company to assist patients in these situations. AccessOne will establish
affordable payment arrangements without a credit check and without a lengthy
application. All patients will qualify by agreeing to accept the terms
of the AccessOne payment program. Sending partial payments to CVMC does
not establish a formal payment plan.
Financial Counseling
CVMC has Financial Counselors on staff to assist with potential eligibility
for North Carolina Medicaid and our Uninsured/Charity Program. Patients
are required to provide financial information to qualify for these programs
in accordance with the current federal poverty guidelines.
Credit and Collection Practices
Insurance claims are submitted within days of service to Medicare, Medicaid,
Commercial, Managed Care, Liability and other carriers. Patients are expected
to pay any known co-pays, deductibles and non-covered amounts when services
are received. All requests for payments are based upon ESTIMATED amounts
and are not considered final billing totals. Any remaining balances due
will be sent once the insurance company has paid or denied. The balance
is due and payable upon receipt of your statement.
Services Not Included in the Bill
During your treatment you may receive care from physicians or other healthcare
providers who will bill separately for their services. Some of these providers
may include your private physician, emergency room physician, radiologist,
pathologist, anesthesiologist, ambulance services and others.
These providers will send separate billing. This list is not all inclusive.
- Catawba Radiological Associates Inc.: 828.322.2644
- Catawba County Emergency Medical Services: 800.814.5339
- Western Piedmont Anesthesiology: 866.282.0799
- Wake Forest Emergency Physicians (Emergency Department Physicians): 866.759.8507
- Piedmont Pathology Associates: 828.322.2644
Payment Options
- Cash
- Personal check
- Pay online
- Short term payment plans available
- Credit Cards: Visa, Mastercard, Discover, American Express
- Long term payment arrangements through the AccessOne program which may
include interest
- Financial assistance for patients who meet Federal Poverty Guidelines through
the Uninsured/Charity Program
Mail Payments To Our Bank Lockbox
Catawba Valley Medical Center
Business Services
P.O. Box 890041
Charlotte, North Carolina 28289-0041
For More Information, call us Monday through Friday from 8:30am to 5pm. Closed for lunch from
12:30pm - 1:30pm. Our Patient Financial Advocate line can be reached at
828.326.3393