Billing, Insurance and Payment
Covenant Health is committed to providing high quality, compassionate healthcare
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 healthcare and become familiar
with your specific benefit plan so you get the most out of healthcare.
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.
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 our
Customer Service Department where we can help you by setting up a payment
plan or determine if you may qualify for
Billing and Collections
Review our bad debt assignment policy.
Customer Service Representatives
A customer Service Representative is available between 8am – 5pm,
Monday – Friday at the phone numbers listed below. Billing questions
may be submitted via email to