Understanding Payment & Billing

The hospital billing and payment process can be complex and confusing. This brochure will help explain our hospital's billing and payment policies, and the resources available to help you.

Online Bill Payment

If you have a balance after discharge, you can pay online by clicking the "Pay Your Bill Online" text link on our hospital's homepage. Or, you can call the Customer Service number listed on this brochure, and someone will be happy to assist you.

Still have questions? Contact us!

For Billing Policies Information (located in North Carolina)

Questions about your hospital bill:  828-452-8914
Information regarding price estimates:  828-452-8192 or 828-452-8938

We also have a benefits advisor onsite who can help you.

Important Notice: Calls from the Hospital

Haywood Regional Medical Center is committed to legal and ethical compliance in all that we do.

If you should receive a call from the hospital regarding a balance for services rendered, even if it is not late, the state of North Carolina requires us to advise you that the call is a communication from a debt collector. The call will be an attempt to collect a debt, and any information obtained will be used for that purpose.

Please be assured, if you hear this language, that we understand your bill is not delinquent, and that you are being contacted to remind you about the bill, answer any questions you may have and discuss the payment options available to you.

Understanding Your Bill and the Payment Process

Up-front Payment

Our hospital's practice is to collect all known fees when you register, including deductibles, co-payments and co-insurance. We base these fees on estimated charges for the service you are receiving. Your final bill may be higher or lower than the estimates we use at registration, once we confirm the actual services provided during your visit. If it is higher, we may ask you for additional payment upon discharge. If it is lower, we will promptly refund the difference owed to you.

Payment by insurance

If you have health insurance, we will bill your insurance carrier shortly after your visit, and your insurance carrier should pay your bill within 60 days.

Your insurance company may contact you for additional information to process your claim. Please respond as quickly as possible to ensure you receive the maximum benefit from your coverage.

When will the hospital contact me?

If you pay up-front or with insurance, you will not receive further communication from the hospital unless the insurance company has not paid your claim or a balance is due from you (e.g., the portion not covered by your insurance or paid at the time of your visit).

Payment without Insurance

If you do not have insurance, you will be asked to pay in full at the time of service. If you are unable to pay, we will work with you to:

  • Set up a payment plan
  • Apply for coverage through Medicaid
  • Explore insurance options through the Health Insurance Marketplace*

*Only during annual enrollment

What services are included in my hospital bill estimate?

Estimates include room and board (for inpatients), supplies, nursing care, equipment use, nutritional services and any services provided outside by our hospital staff.

Can I get an exact pricing quote?

Unfortunately, no. We will do our best to provide you with a range of what you can be expected to pay based on our hospital's historical pricing for similar services. Price quotes are not guaranteed since the services used to compute the quote can vary from the services you receive due to treatment decisions, unforeseen complications, additional tests or services ordered by your physician, and variation in the clinical needs of each patient.

Other Charges

Your hospital bill contains charges for hospital services only. Some of the services you receive during your visit may be from providers who are affiliated with our hospital, but are not employed or operated by our hospital. Therefore, you may be billed separately for certain professional services, which may include:

  • Your physician
  • ER physicians
  • Radiologists
  • Hospitalists
  • Pathologists
  • Cardiologists
  • Anesthesiologists

Please call the customer service number on your bill if you have questions about professional services charges.

Refund Policy

We will follow all state and federal guidelines regarding overpayments.