Insurance and Billing

A representative from ARMC Financial Counseling Services can answer questions about your insurance coverage and can help you interpret financial policies and procedures at AtlantiCare.

• For financial counseling dial 609-272-2500 from outside the hospital or 4-2500 from any phone inside the hospital.
• Representatives are available Monday through Friday from 8 a.m. to 5 p.m.

Co-pays and Deductibles

ARMC will ask you for any co-payments or deductibles as required by your insurance coverage when you are admitted.

You are responsible for meeting financial commitments resulting from your hospital stay. Your commitments include providing accurate personal and contact information so that we can submit bills to insurance companies. You are also responsible for making payment arrangements when applicable.

We understand that medical insurance and billing can be complicated and sometimes difficult to understand. ARMC is committed to transparency in billing and to helping you meet your financial obligations.

• If you need help with your bill or medical finances, please contact the hospital Patient Accounting Department (Billing) at 609-272-2500 or 4-2500 from any ARMC hospital phone.
• Representatives are available Monday through Friday, 8 a.m. to 5 p.m. They will assist you with your questions or concerns. They can also provide financial counseling.

• You have the right to receive Medicare covered services. This includes medically necessary hospital services and services you may need after you are discharged, if ordered by your doctor. You have a right to know about these services, who will pay for them and where you can get them.
• You have the right to be involved in any decisions about your hospital stay and to know who will pay for it.
• You have the right to report any concerns about the length of your stay to the Quality Improvement Organization (QIO), Healthcare Quality Strategies: 1-800-624-4557.

Your Medicare Discharge Rights

During your hospital stay, the hospital staff will work with you to prepare for your safe discharge and arrange for services you may need after you leave the hospital. When you no longer need inpatient hospital care, your doctor or hospital staff will inform you of your planned discharge date.

If you think you are being discharged too soon:

• You can talk about your concerns with the hospital staff, your doctor and your managed care plan – if you belong to one.
• You also have the right to an appeal, that is, a review of your case by a Quality Improvement Organization (QIO). The QIO is an outside reviewer hired by Medicare to look at your case and decide whether you are ready to leave the hospital.
• If you wish to appeal, you must contact the QIO no later than your planned discharge date and before you leave the hospital.
• If you request QIO review, you will not have to pay for the services you receive during the appeal, with the exception of charges like co-pays and deductibles.
• If you do not appeal, but decide to stay in the hospital past your planned discharge date, you may have to pay for services you receive after your recommended discharge date.

To speak with someone at the hospital about this notice, please call 1-8027 at the Atlantic City Campus or 2-3438 at the Mainland Campus.

About your hospital bill

ARMC is proud of its tradition of providing quality healthcare to the residents of and visitors to southeastern New Jersey. We provide emergency care regardless of a patient’s ability to pay.

ARMC will bill your insurance company on your behalf. It is important that you provide accurate health insurance and identification information when you are admitted to the hospital.

After you are discharged, you will receive an Explanation of Benefits (EOB) from your insurance company, which will explain the services covered under your health insurance plan. If there are portions of your bill that are not covered, you will receive a separate hospital bill from AtlantiCare.

You may also receive separate bills from individual doctors who contributed to your care plan. Such bills might arrive from:

• Your personal doctor
• Consulting specialists
• Doctors from the Emergency Department or Emergency Center
• Anesthesiologists
• Radiologists and others

Each of these bills will include contact information in the event you have questions regarding fees from any individual doctor’s practice.

Many doctors and licensed allied health professional who participate in patient care while at AtlantiCare are independent providers and are not employed by, nor agents of AtlantiCare. These independent providers are members of AtlantiCare’s medical staff. They have been granted the privilege of using its facility for the care and treatment of their patients.

Likewise, AtlantiCare may contract with independent physicians or physician groups of various specialties to provide services at AtlantiCare. They are independent contractors and may include physicians in emergency, radiology and pathology. These independent contractors are not employees of AtlantiCare. AtlantiCare has no direct or indirect liability for any acts or omissions of these physicians, licensed allied health professional or independent physician groups – even if they are wearing AtlantiCare identification.

If you have questions about your hospital bill:

• Call the Patient Accounting Department (Billing) at 609-272-2500.
• Representatives are available Monday through Friday, 8 a.m. to 5 p.m.

If you do not have insurance coverage and are concerned that you may have difficulty paying your hospital bill, you can meet with a representative from our Financial Counseling Services Department. You can be screened for Medicaid eligibility and New Jersey Hospital Care Payment Assistance (Charity Care).

*Subject to credit approval. See carecredit.com for details. 
**Must be 18 or older to apply, must be 21 or older to apply by phone. 
†Standard text message rates apply.