If you are like most patients, you have come to CMC with insurance coverage.

It is to your responsibility to supply information on all insurance coverage you have at the time of admission, including Medicare supplements, spouse’s policy, individual policies, and other liability insurance. After the insurance has been verified, precertified if necessary and the procedure is completed, a claim will be issued for the full bill. The amount the insurance company will pay is determined by the company, not the hospital.

If you are covered by more than one insurance company, a claim will be processed with all companies. If there is an overpayment, a refund will be made to the appropriate party within the guidelines of Tennessee law.

The remainder of the bill not covered by the insurance companies is the responsibility of the patient. *Note: Even though the hospital files an insurance claim on your behalf, your assistance in resolving unpaid insurance claims is most appreciated.

Billing
Cumberland Medical Center is responsible for submitting bills to your insurance company and will do everything to expedite your claim. Your insurance policy is a contract between you and your insurance company, and you have final responsibility for payment of your medical center bill.

Your Medical Center bill depends on the type of accommodation provided. The charge includes the cost for your room and meals, housekeeping services, the services of support personnel, and 24-hour nursing care. Other charges that may be incurred are ancillary charges and professional charges.

Ancillary charges are charges for services that may include laboratory tests, supplies, medications, physical therapy, x-rays, operating room charges, and others. Ancillary charges will appear on your hospital bill.

Professional charges are charges for your attending and/or consulting physicians and are billed separately. Consulting charges may include radiologists, pathologists, anesthesiologist, emergency physicians, and any other consultants that your attending physician deems necessary. These professional charges are NOT considered a part of the hospital bill.