Patient Financial Services FAQ

Available pricing is becoming more important due to a shift toward patients paying a larger share of their healthcare cost. Additionally, the uninsured need convenient access to pricing information. We are committed to making this information available to consumers so they can better anticipate and understand their financial responsibilities and make informed healthcare decisions.

View CAMC's charge master here. A charge master is a list of the base prices for procedures and services. The actual amount that you pay will depend on any insurance coverage.

Because we know that healthcare is complex and that a general listing of prices for our common procedures will not meet everyone's needs, patients may contact us by phone at (304) 388-7530 for a prospective service quote. Our goal in making this information easy to access is to remain a leader in key healthcare initiatives aimed at better patient care.

Who is responsible for paying my hospital bill?

Ultimately, you are (or your parent or guardian). If you have insurance, CAMC will first bill your insurance for you. Any balance remaining on your bill after insurance has made its payments is your responsibility.

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I received more than one bill. Why can't they all be placed on a single bill?

In addition to your bill from CAMC, you may receive invoices from physicians who may have provided services to you during your stay. Examples include: your personal physician, a specialist physician who assisted in your care (such as a doctor reading your X-rays), or the emergency room physician.

These providers work as a team, but they are all independent businesses. It's like shopping at a mall. All the businesses are located in one place and you may make many purchases during a single trip, but you'll still pay separately for each purchase at the different stores. It's the same at the hospital where different providers help with your care.

If you received: You will receive a bill from:
Emergency room services New Century Physicians
Anesthesia during surgery General Anesthesia Services
Specialists' consulting services The specialist physician
X-ray, CT scan, MRI Associated Radiologists
Surgery Your surgeon
A visit by your personal physician Your personal physician
Ambulance service The ambulance service (air or ground)

Independent laboratory and radiology services will also bill you separately for reading and interpreting EKG's, X-rays, EEG's and lab work.

If you have questions about any of the bills sent by one of the other care providers, you should contact them directly.

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Why didn't my insurance pay?

There are many possible reasons. Normally, your health plan will send you an explanation of its benefits or payments (sometimes called an EOB or EOP) to tell you why a certain claim may have been denied or only partially paid. You should contact your insurance plan directly if you have questions.

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Do I have to send the hospital bill to the insurance company for payment?

No. CAMC will file the claim for you (provided, of course, that you have given us permission and accurate insurance coverage information). After your insurance company has made its payments, you may receive a bill from us asking for payment of the remaining balance (if there is any).

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What can I do if I'm unemployed and don't have health insurance?

Let the CAMC scheduling, pre-registration or admitting office know. You may qualify for free care from CAMC if your family income is equal to or less than 200 percent of the federal poverty level. CAMC also provides assistance to patients to obtain health care coverage through Medicaid and other government programs.

Finally, we offer a 20 percent discount to all patients who have no insurance (uninsured), regardless of income level. Call (304) 388-7530 or click here to find out more about these programs.

If you are visiting our hospitals, you may speak directly to a financial counselor. They have offices close to the admitting/registration areas as well as the emergency rooms at each hospital location. Or, you may reach them directly by calling one of our financial counseling offices:

  • CAMC General Hospital financial counselor (304) 388-6093
  • CAMC Memorial Hospital financial counselor (304) 388-8263
  • CAMC Women and Children’s Hospital financial counselor (304) 388-2729
  • CAMC Teays Valley Hospital financial counselor (304) 757-1742

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How may I pay my hospital bill?

CAMC accepts cash, checks and all major credit cards. You can also use our online bill pay site.

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Where can I pay my bill?

Payments may be mailed to:
Charleston Area Medical Center
PO Box 1547
Charleston, West Virginia 25326

Or you may pay directly at any of the CAMC hospital cashier's offices or registration sites.

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May I make payment arrangements?

Yes. CAMC will help set up a reasonable schedule of monthly payments for your hospital bill. For more information, call (304) 388-7530.

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I have questions about my bill. Who should I contact?

You are welcome to call (304) 388-7530 to talk to any of our customer service representatives. We will do our best to help you.

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Am I entitled to a detailed copy of my bill? What should I do if I find a mistake?

Yes. You are entitled to receive a detailed bill. If you find that we have made an error, contact us at (304) 388-7530. We will be happy to investigate the bill and make corrections.

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What does my hospital bill include?

Your daily room rate includes many items in addition to the room itself. Normally, incidental items such as aspirins, bandages and common patient care supplies are included in the basic room rate. No additional charge is made for over 85 percent of the consumable items provided. There may be additional charges. Examples are: charges for nursing care services ordered by your physicians, X-rays, laboratory tests, blood products, surgical implants, medications and, possibly, operating room and related services. You may receive separate bills from others for services rendered by doctors who helped care for you during your stay at CAMC. Examples include: radiologists (who read X-rays), anesthesiologists, surgeons and consulting physicians. These providers work at the hospital, but they don't work for the hospital. So, they bill separately.

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What can I do if my insurer denies payment of some, or all, of the hospital bill?

You should send a letter of appeal to your insurer. Most health insurance plans also provide a toll-free number for claim denial questions. The exact procedure may differ among insurance companies. Call your insurer for more information.

In some cases, your personal physician may be able to help resolve a denial from an insurance company. If CAMC has made an error resulting in a denial, we will, of course, correct the error. However, CAMC cannot "make" an insurance company pay a claim.

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Do I need to obtain insurance company approval before I am admitted to CAMC?

Possibly. You should always check your insurance policy or call your insurance company to see whether you are required to obtain pre-authorization or pre-certification for hospital services. Different insurance companies have varying requirements as to what needs to be approved in advance. CAMC does not obtain the pre-certification or pre-authorization for you. It is something you or your physician must do. If it is required, and you don't obtain prior approval, you may find that your insurance company will not pay the bill. return to top