Lenoir Memorial

Health Insurance

Lenoir Memorial Hospital will submit a claim to your insurance company provided you supply all the required information, and that benefits are assigned to Lenoir Memorial Hospital. You are responsible for any portion of charges not covered by your insurance and payment is expected at or prior to the time of service. If you have not paid at the time of service, all amounts billed to you are payable upon receipt of the statement. Delayed insurance payments do not relieve patients of their obligation to pay the balance when due.

HMO, POS, or PPO insurance

Patients with HMO, POS, or PPO coverage are responsible for paying any co-payment, deductibles, co-insurances, or fees for non-covered services at the time the services are rendered.  Full payment of co-pays is requested before services are rendered. To help you get the most from your health plan, Lenoir Memorial Hospital encourages you to familiarize yourself with your insurance plan’s requirements prior to seeking care. Since your employers negotiate their own contracts with insurance companies, plans can differ significantly.  Each patient has a responsibility to know and understand his or her individual benefit package. A common example is $150.00 co-pay that a number of Lenoir Memorial Hospital contracted payers have for emergency room visits. Your plan may be higher or lower than our example.

If you have any questions regarding insurance payment or denial, please contact one of our Commercial Claims Analysts.  If you have any questions regarding insurance for a Blue Cross Blue Shield plan please contact a Blue Cross Claims Analysts.