Sentara Obici Hospital Patient Guide - Hospital Bills and Insurance | Sentara Healthcare
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Patient Guide: Hospital Bills and Insurance 

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If You Have Health Insurance
We will need a copy of your health insurance identification card and insurance forms which your employer or the insurance company supplies. You will be asked to assign benefits from the insurance company directly to the hospital.

If You Are a Member of an HMO or PPO
Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan's requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your healthcare plan and their services may not be covered.

If You Are Covered by Medicare
We will need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that Medicare programs specifically exclude payment for certain items and services, such as cosmetic surgery, personal comfort items, hearing evaluations and others. Deductibles and co-payments that are not covered by a supplemental coverage are the responsibility of the patient and are payable at the time of discharge.

If You Are Covered by Medicaid
We will need a copy of your Medicaid card. Medicaid also has payment limitations on a number of services and items.

If You Have No Insurance
A patient account representative will discuss financial arrangements with you. A hospital representative, who is a part of Social Services, is available to assist you in applying for Medicaid or other government assistance programs. Obici Hospital also offers a Patient Financial Assistance Program.

Your Hospital Bill
After discharge, you will be sent a statement listing all hospital charges. This summary statement is also filed with your insurance carrier. Your physician's charges will not be included in your hospital bill When payment is received from your insurance carrier, you will be contacted by a patient accounting representative regarding unpaid balances for service that ere provided.

If payment has not been received from your insurance carrier within 60 days, we may ask for your assistance in collecting these charges on your behalf. Although you are responsible for all charges incurred during hospitalization, we will work with you in every possible way to help settle the account. If you have any questions regarding billing, please call the Patient Accounting office at ext. 4668

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