Financial Information

Catawba Valley Medical Center strives for excellence from quality patient care to quality business operations.

Our mission is to provide quality healthcare, promote physical, mental, emotional and spiritual well being of the public served and to be a center of health education, wellness services, preventive medicine and acute care throughout Catawba County and surrounding areas.

Catawba Valley Medical Center understands that healthcare costs can be expensive and often unexpected.  CVMC offers multiple payment options to fit the patient’s financial needs.

Insurance Claims Filing
Insurance claims are submitted when complete and accurate information is received. Insurance claims submission is performed as a courtesy service for patients. Submitting insurance claims is not a guarantee of payment from the insurance carrier.

Insurance Card
Please present a current insurance card when registering and checking in for services. The information on the card is important for correct identification of insurance benefits. It is important that we receive your insurance information quickly. Your insurance company may have a timely filing deadline that must be met in order for your benefits to be paid.

Co-Pays and Deductibles
Patients with commercial or managed care coverage are responsible for paying co-pays, deductibles and fees for non-covered services at the time of service. Please review your insurance policy benefits. If you have questions about coverage, contact your employer or insurance company.

Prior Authorization/Pre-certification
Many insurance companies require prior authorization or pre-certification for medical services. Catawba Valley Medical Center makes attempts on your behalf to provide information requested by your insurance company including contacts to your physician’s office which will allow your insurance company to make a coverage determination. Although we assist in gathering this information, we cannot guarantee approval from your insurance carrier.

Pre-registration
When you schedule a service at CVMC, you may be contacted by one of our Pre-Registration staff to obtain your demographic and insurance information prior to your visit. Providing this information in advance will save you time the day of your service. The Pre-Registrar will also take time to explain your insurance coverage and any deductibles or coinsurance that may be due from you. For your convenience, payment for your estimated deductible and coinsurance can be made during your pre-registration.

Worker’s Compensation
If you are hurt as a result of an injury on the job, Catawba Valley Medical Center will bill your employer or your employer’s Worker’s Compensation carrier. In cases where Worker’s Compensation denies the claim or services received include work-related as well as non-work-related healthcare services, your health insurance information will be needed.

Medicare
Catawba Valley Medical Center will submit Medicare claims for patients. Patients are responsible for deductibles, co-insurance and amounts for non-covered services.

Medicare Part A – covers inpatient hospitalization services
Medicare Part B – covers outpatient hospital services and medical (physician) services
Medicare Part C – covers various healthcare services based on your benefits and is considered Medicare Managed Care
Medicare Part D – covers retail pharmacy items and are not billable services for Catawba Valley Medical Center

Business Services submits insurance claims for Medicare supplemental insurance when accurate and complete information has been provided.

Medicaid
Catawba Valley Medical Center will submit claims to Medicaid if you have presented a current valid card or verification of coverage has been obtained through the Department of Social Services. You may be responsible for a portion of the charges if Medicaid determines a co-pay or deductible is due.

Long-Term Payment Program
Some patients are unable to pay balances in full and need extended time to pay for services. CVMC has partnered with AccessOne, a long-term financing company to assist patients in these situations. AccessOne will establish affordable payment arrangements without a credit check and without a lengthy application.  All patients will qualify by agreeing to accept the terms of the AccessOne payment program.

Sending partial payments to CVMC does not establish a formal payment plan.

Contact Customer Service at 828.326.3393 to apply for long term payment arrangements through AccessOne.

Financial Counseling
CVMC has Financial Counselors on staff to assist with potential eligibility for North Carolina Medicaid and our Uninsured/Charity Program. Patients are required to provide financial information to qualify for these programs in accordance with the current federal poverty guidelines. For more information please contact Customer Service at 828.326.3393.

Credit and Collection Practices
Insurance claims are submitted within days of service to Medicare, Medicaid, Commercial, Managed Care, Liability and other carriers.  Patients are expected to pay any known co-pays, deductibles and non-covered amounts when services are received.  All requests for payments are based upon ESTIMATED amounts and are not considered final billing totals. Any remaining balances due will be sent once the insurance company has paid or denied. The balance is due and payable upon receipt of your statement.  Insurance claims are submitted as a courtesy service and do not relieve patients of financial obligations.

If a patient’s account(s) become past due, Catawba Valley Medical Center may pursue outside collection activity, including legal action, if necessary.  Itemized or summary statements are available to you upon request – Call 828.326.3393.

Services Not Included in the Bill
During your treatment you may receive care from physicians or other healthcare providers who will bill separately for their services. Some of these providers may include your private physician, emergency room physician, radiologist, pathologist, anesthesiologist, ambulance services and others.

These providers will send separate billing. This list is not all inclusive.

  • Catawba Radiological Associates Inc.: 828.322.2644
  • Catawba County Emergency Medical Services: 800.814.5339
  • Western Piedmont Anesthesiology: 866.282.0799
  • Wake Forest Emergency Physicians (Emergency Department Physicians): 855.268.0360
  • Piedmont Pathology Associates: 828.322.2644

Payment Options

  • Cash
  • Personal check
  • 90 days same as cash with no penalty
  • Credit Cards: Visa, Mastercard, Discover, American Express
  • Long term payment arrangements through the AccessOne program which may include interest
  • Financial assistance for patients who meet Federal Poverty Guidelines through the Uninsured/Charity Program

Mail Payments To Our Bank Lockbox

Catawba Valley Medical Center
Business Services
P.O. Box 890041
Charlotte, North Carolina 28289-0041

For More Information: 
Call us and let us help.

Monday – Friday  8:30am – 5pm
Customer Service: 828.326.3393