Billing & Insurance
At Lake Norman Regional Medical Center, we want to ensure that the quality of medical service you receive at our facility is not overshadowed by billing questions or problems.
Our billing cycles depend upon the type of insurance you carry.
While we are waiting for your primary insurance to pay, the hospital will follow-up with the employer and/or insurance carrier until the account is paid. If the claim is denied, the account will be changed to a self-pay account and will be persued per the guidelines listed below under Self Pay.
The hospital will follow-up with Medicare until the account is paid. After Medicare has paid, the deductible and/or coinsurance will be billed to the secondary (supplemental) insurance, if applicable. The hospital will follow-up with the insurance company per the guidelines listed below under Commercial / Blue Cross / CHAMPUS. If there is no supplemental insurance, the hospital will follow the Self Pay guidelines.
The hospital will follow-up with the case worker and/or insurance carrier until the account is paid. If the claim is denied, the account will be changed to a self pay account and will be persued per the guidelines listed below under Self Pay.
It is to your advantage to be familiar with your health insurance policy so that you can assist the hospital in obtaining your maximum benefits. A claim is filed to the insurance company, usually within three to five business days from discharge. If payment has not been received from the insurance company within 30 days of filing, a statement is mailed asking you to follow-up with your carrier. If payment is not received within the next 2 weeks, a second statement is mailed advising insurance has not yet paid and we need your help getting this paid. The account is then reviewed for the insurance collectability and may be changed to a self pay account.
Lake Norman Regional Medical Center files insurance for our patients as a courtesy. We will attempt to collect the money from the insurance company, but ultimately the payment is your responsibility. We encourage you to contact your insurance company to assist us in the collection of your account. Many times an insurance company will pay the account more timely if the patient calls.
It is the hospital's policy to ask you to pay some or all of your estimated bill upfront. If however, full payment is not obtained at time of service, a statement is mailed to you following completion of services asking for payment. A second statement is mailed two weeks later asking for payment in full or that acceptable payment arrangements be made with the business office. Please note that although the hospital will be flexible in this regard, we are not a financial institution and do not have the means for long term payment arrangements. Therefore, it is your responsibility to arrange appropriate arrangements to satisfy your debt.
In addition to the above steps, phone calls are made to patients in this category as a continuing effort to satisfy the balance due. If financial arrangements are still not made, we may be forced to forward your account to one of our collection agencies for further follow-up. This may adversely impact your credit history.
If you have questions regarding your account, please call:
Last names beginning with A-K: (704) 660-4066
Last names beginning with L-T: (704) 660-4067
Last names beginning with U-Z: (704) 660-4068