NashobaPatients and Visitors

Insurance and Financial Arrangements

About your Bill

Your hospital bill will include a room charge, which covers room, meals, nursing care, housekeeping, maintenance, medical records and admitting services.  Your bill will also include itemized charges for specific ancillary services such as laboratory, medications, X-rays and use of the operating room, surgical day care, recovery room, physical therapy and other services.

Your bill will not include visits by your physician and fees for radiology (interpretation of X-rays), anesthesiology, emergency medicine, surgery, and other professional services and consultations provided by physicians.  These will be billed separately by the physician.


In most cases, Nashoba Valley Medical Center will be reimbursed for your hospitalization directly by your health insurance carrier.  If you are insured by a commercial insurance company, it will be necessary for you to forward signed insurance authorizing release of information and authorization for benefits to the hospital prior to your discharge.  In the event of specially arranged HMOs or case management insurance, we may not need such forms. 

Prior to or at the time of service, payment of any known patient responsible charges will be due, e.g. co-pays, deductibles, co-insurance.

Payment may be mailed to:
Cashier’s Office
Nashoba Valley Medical Center
200 Groton Road
Ayer, MA 01432

You may also remit payment to our cashier:
Monday through Friday, 8 a.m. to 4:30 p.m.

For billing questions, please contact patient accounts customer service at 978-784-9222 or 978-784-9237.

Health Insurance

If you have health insurance, some portion of your medical charges may be reimbursed by your insurer. As a service to our patients we file the appropriate information with your insurance. We suggest you contact your insurance company prior to treatment to obtain necessary pre-certification approvals and to determine the extent of your coverage. If you do not have full coverage, or are unsure about your coverage, please contact our patient financial counselors at 978-784-9222 or 978-784-9237 prior to either outpatient services or hospitalization to make payment arrangements.

When visiting an out-patient department, please check with the department when you set up the first appointment to see if a referral from your primary care physician is required.

If you have no health Insurance

Nashoba Valley Medical Center complies with Massachusetts regulations and gives a reasonable amount of its services free or at a reduced charge to those who cannot afford to pay for medical care. Please contact the patient financial counselors at 978-784-9222 or 978-784-9237 for information and eligibility requirements. Free care applications are also available at admitting/registration.

Medicare and Medicaid

Medicare is a federal health insurance program for elderly and disabled individuals that provides payment for hospital stays during the time that acute care is needed. Medicaid, the Massachusetts Medical Assistance Program, is funded by state and federal governments to provide health care for people with limited income and assets. If you have a question about your eligibility for either program, please speak with a patient financial counselor.

Physicians' Fees and other Services

Your physician and any other physicians who consult on your case will bill you directly for their services, as will the physician who interprets any examinations performed by the diagnostic imaging department and physicians performing anesthesia or pathology services.

The hospital does not set physician fees and does not bill for their services. Any questions regarding these charges should be directed to the physician who provided the service. We recommend you keep copies of all bills for your records. To facilitate payment of charges not covered by insurance, the hospital accepts MasterCard and VISA. Please contact the patient financial counselor office, 978-784-9222 or 978-784-9237, with any questions about your hospital bill.

Connect with Steward

Visit Our Twitter Feed Visit Our Facebook Page Visit Our YouTube Channel Email This Page Print This Page

Subscribe to our patient e-newsletter

Copyright © 2015 Steward Health Care
Connect Healthcare Panacea CMS Solutions