Insurance and Financial Arrangements

Insurance and Financial Arrangements is available for download as a PDF.

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.

HOSPITAL CHARGES
Nashoba Valley Medical Center is a for-profit health care facility. Your bill reflects the cost of providing around-the-clock medical care. The daily charge includes fees for your room, nursing care, meals, routine supplies and equipment, housekeeping, maintenance and laundry services, and detailed records of your treatment and progress.

Any additional services, such as laboratory tests, xrays, respiratory or physical therapy, medications, operating room fees, and other diagnostic and treatment procedures, are itemized separately on your bill.

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.