Hospital and Provider Billing

When you receive care at Cooper University Health Care as a patient with insurance, Cooper will submit separate bills for hospital fees (facility charges) and provider fees (fees for services provided by your doctor or other health care professional) to your insurance company for payment. According to the terms of your insurance policy, you may be responsible for portions of your bill such as co-payments, co-insurance, and deductibles (see below).

Please note that providers’ fees are bills that cover the health care services your doctor or other health care provider such as a nurse practitioner provided to you. These fees are separate from hospital fees (facility charges). Providers’ fees are NOT included in the hospital’s facility charges.

Cooper University Health Care employs its hospital based physicians (such as radiology and emergency room) and many other physicians in Cooper offices in the community, and therefore they accept the health insurance plans listed here, with a few limited exceptions. We recommend that you also contact your insurance company to confirm whether Cooper and your other providers are in network with your specific plan and whether your planned health care services are covered.

If you are receiving services from a physician or other provider who is in a separate group practice and not employed with Cooper your provider may or may not participate in your insurance plan. You should contact your health insurance company to ask if you will be covered for such services by providers not employed by Cooper.

You should always check with the provider who is arranging for your health care services to confirm whether or not he or she accepts your health insurance coverage. Additionally, you should also confirm with your insurance company that the specific services you will receive are covered under your health plan.

Your Responsibilities

Co-payments (co-pays) are specific dollar amounts identified in your health insurance plan that you are responsible to pay before your insurance coverage starts. At Cooper, all co-pays are expected to be paid at time of checkout.

Co-insurance is the percentage of your health care costs that you pay based upon your health plan. For example, if your health plan has a 70 percent co-insurance that means your health plan pays 70 percent of your health care claims and you are responsible to pay 30 percent of those claims.

Deductibles are the portion of your health care costs that you are responsible to pay before your health insurance coverage will begin paying your health care claims. For example, if your health insurance plan has a $500 deductible and your health care bill for a service covered by your health plan is $1,500, you will have to pay $500 and your health insurer will pay the remaining $1,000.

After you receive health care services at Cooper, you will receive regular statements via the mail advising you of the status of your account until your bill is paid in full. Should your insurance company deny payment on all or any portion of your hospital bill, you will be responsible for payment. You can make arrangements for payment with the Patient Accounting Department. Payments may be made in the form of cash, check, Visa, MasterCard, and American Express.