Billing + Insurance
Copley is committed to providing our community with quality health care services.
We are here to help you understand our services, charges, and what to expect before, during, and after your hospital visit.
Copley encourages you to get all of your questions answered so that you can get the right care at the right time.
For your convenience, Copley offers the ability to view or pay your hospital bill securely online.
About Your Bill
You will receive a separate bill for each visit to the hospital, or hospital-owned physician practice, after all insurance claims have been paid by your insurance, if any. If you are insured, the amount billed represents any outstanding co-payment, deductible, co-insurance, or amounts not covered by your insurance company that are your responsibility according to the “Explanation of Benefits” provided by your insurance company.
In addition to bills from Copley Hospital, you may receive bills from other providers or specialists that are affiliated with your care at the hospital, such as radiologists, pathologists, hospitalists, and other specialists. Payment should be made to the provider specified on each separate bill.
Paying Your Bill
The following payment methods are accepted: cash, personal check, money order, MasterCard, Visa, Discover Card, or American Express.
You may mail your payment with the remittance advice on your bill, call to make a payment over the phone, or make a payment in person at any registration desk or at the Patient Financial Services (billing) department. In addition, Copley offers the ability to pay or view your bill securely online.
Payment is expected in full with each billing statement received. Please contact our office if you would like to make alternative payment arrangements, such as monthly installments. Until your bill is paid in full, you will receive additional correspondence from our office to keep you informed of the status of your account(s).
If paying your hospital bill will be a financial hardship, Copley offers a financial assistance program and can help connect you to other state-based assistance programs.
If you have health insurance in the U.S., Copley Hospital can file an insurance claim on your behalf. Just bring the following with you to your visit:
- Health insurance card(s)
- Picture identification, such as a driver’s license or passport
- Referral and/or authorization forms provided by your physician
- Payment method for co-payment, deductible, or co-insurance
- For International Patients: Copley will bill you directly and you can submit your claim for reimbursement from your international insurance carrier.
Prior to your arrival, it is highly recommended that you contact your insurance company to determine your insurance coverage for planned services and verify that any necessary referrals or authorizations are in place. Many insurance companies have specific plan requirements and coverage limitations. If you are unsure of your insurance plan’s requirements and coverage, please contact the insurance company by calling the member services number located on the back of your insurance card.
Although Copley will file insurance claims on your behalf, the hospital or its physicians may or may not be considered “in-network” with your specific insurance plan. In general, Copley Hospital participates as an in-network provider with the following insurance plans or networks:
- Blue Cross Blue Shield
- Comprehensive Benefits Administrator, Inc. (CBA)
- First Health Network (Coventry Health Care/Aetna)
- Great West Healthcare
- Martin’s Point Health Care (US Family Health Plan)
- MVP Health Care
- North American Preferred (Beechstreet Network)
Contact your insurance company’s member services department to verify the participating status of Copley Hospital and our physicians with your specific insurance plan. If Copley or our physicians are out-of-network with your insurance plan, you may have additional out-of-pocket costs.
You may be interested in Copley’s Glossary of Healthcare Billing Terms.
Get an Estimate
How much will Copley charge for your visit or procedure and how much will you have to pay?
The healthcare industry is incredibly complex, so getting the answer to this question is not always simple.
We are here to help. Contact our Patient Financial Services office at 802.888.8338 to request an estimate ahead of time for services you anticipate having at Copley Hospital.
Your out-of-pocket expenses (such as co-payments, co-insurance, and deductibles) will depend on your individual insurance coverage. We can help you figure this out. Copley’s Patient Financial Counselors can also help you apply for financial assistance if you should need it.
To assist you in making informed decisions about your health care, the average charges for common, high volume health care services for all Vermont hospitals is published annually in the Hospital Report Card on the Vermont Department of Financial Regulation website.
No Surprises Act
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
Effective January 1, 2022, the No Surprises Act, which Congress passed as part of the Consolidated Appropriations Act of 2021, is designed to protect patients from surprise bills for emergency services at out-of-network facilities or for out-of-network providers at in-network facilities, holding them liable only for in-network cost-sharing amounts. The No Surprises Act also enables uninsured patients to receive a good faith estimate of the cost of care.
- Learn more about the No Surprises Act
- Learn more about good faith estimates
- Understand your rights against surprise medical bills (PDF)
If you believe you’ve been wrongly billed, you may contact the U.S. Centers for Medicare & Medicaid Services (CMS) at 1-800-633-42271-800-MEDICARE (1-800-633-4227) or visit the CMS website for more information about your rights under federal law.
Comprehensive Machine Readable File
A comprehensive single machine-readable file that makes public all standard charge information for all items and services provided by Copley Hospital.
Consumer-Friendly Shoppable Services
A consumer-friendly list of ‘standard charges’ for 300 (70 CMS-specified and 230 hospital-selected) “shoppable” services provided by Copley Hospital.