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Billing, Insurance, and Financial Assistance

Billing, Insurance, and Financial Assistance

Understanding Your Financial Responsibilities

Patients at Westchester Medical Center should understand how their bill is processed and be familiar with their insurance coverage. Please contact our Patient Accounts Department at (914) 493-2089 between 9 a.m. and 4 p.m. to assist you with any questions.

Your Health Insurance Coverage

Hospital insurance plans vary widely and we recommend that you carefully read the terms of your policy. Some contracts limit the number of days and/or amount of coverage under the terms of the plan. Please bring all your medical insurance cards and any special forms required to your pre-admission testing or on the day you are admitted. Items not covered by insurance, such as deductibles and private rooms, are payable in full at the time of discharge.

Notifying Your Insurance Carrier

You are responsible for contacting your insurance carrier prior to elective admission (if required) and 24 to 48 hours after Emergency Room admittance or transfer from another hospital. Refer to your contract to ensure you adhere to the terms of your specific plan.

If there are any questions about your insurance, a Patient Accounts Representative will contact you either for more information or to explain your responsibilities. It is important that you understand that the final responsibility for payment is with you, the patient.

About Your Bill

Your bill from Westchester Medical Center does not include your doctor's fee nor the fees of other physician specialists, such as anesthesiologists, radiologists, pathologists or other consulting physicians to whom you may be referred by your doctor. You will receive a separate bill for services from each of them. 

For remittance of checks:

If you (a patient) have received a check from your insurance company at your home address, please endorse the back of the check and mail with the Explanation of Benefits to:

Westchester Medical Center
Client ID # 400008
P.O. Box 5044
New Britain, CT 06050-5044

Financial Assistance

Does Westchester Medical Center offer a Financial Assistance / Charity Care Program?

Yes.  Westchester Medical Center remains devoted to continued excellence in patient care and serving the community.  As a partner in the community we offer a Financial Assistance / Charity Care program which allows us to provide care to patients without charge or at amounts less than our established rates. 

Who qualifies for a discount and what are the income limits?

Financial assistance is available for patients with limited income and no health insurance.  Although WMC’s primary service area is defined as the five counties of Westchester, Putnam, Orange, Rockland and Bronx, everyone in New York State who needs medically necessary services can receive care and get a discount if they meet certain income limits.  The amount of the discount varies based on your income and the size of your family.  Do not be afraid to apply – you may qualify even if you work or own a home or car.  You may also apply for a discount regardless of immigration status.  Discounted or free care is based on federal poverty level guidelines. 

View our summaries:

>Financial Assistance Informational Sheet (English Version)
>Financial Assistance Informational Sheet (Spanish Version)

What services are covered?

All medically necessary services, including preventative care, are covered under the financial assistance program.  This includes outpatient services, inpatient care, and emergency services.  Please note that charges from private doctors who provide certain services in the hospital are billed by the respective physicians and may not be covered under this program.

How do I get information about the Financial Assistance / Charity Care Program?

To inquire about our Financial Assistance / Charity Care program contact us at (914) 493-7830 or ask any of our registration staff members for an informational packet.

What do I need to do to apply for the program?

Free, confidential help is available for the program.  We will help you complete an easy application and will let you know of a few documents that may be needed (photo identification, pay stubs, etc.).  If you, your family members, or friends do not speak English, someone will assist you in your own language.

The Financial Counselor can also tell you if you qualify for free or low-cost health insurance such as Medicaid, Child Health Plus and Family Health Plus. 

A copy of our application is available by clicking the following links:

>Financial Assistance Document List (English)
>Financial Assistance Document List (Spanish)

>Financial Assistance Application (English)
>Financial Assistance Application (Spanish)

If you are also planning to apply for Medicaid, please see
New York State’s document requirements below:

>Documents Needed if Applying for Medicaid

For more information, please see any registration specialist
or call 914-493-7830.  We are here to help.

What if I have a problem that I can not resolve with the hospital?

You can call the New York State Department of Health at 1-800-804-5447.

Participating Plans

Below is a listing of the plans with which the hospital participates. You may also call us at (914) 493-5446 to inquire on specific products within the plans. We also encourage you to call your insurance company to confirm participation. You can also reach us at the above number to obtain information on your financial responsibility.

Participating Plans

Physician Services

It is important for you to know that the physician services you receive in the hospital are not included in the hospital’s charges. Physicians bill for their services separately and may or may not participate in the same health plans as the hospital. You should check with the physician arranging your hospital services to determine which plans that physician participates in. Hospital contracts with Westchester Medical Center Advanced Physician Services, P.C. (WMCAPS) to provide anesthesiology, radiology and pathology services. You can obtain insurance verification information on WMCAPS physicians by contacting:

Westchester Medical Center Advanced Physician Services, P.C.
19 Bradhurst Avenue, Suite 3100N
Hawthorne, NY 10532
(914) 570-8745 

Hospital Charges

Hospitals are required by law to make available information about their standard charges for the items and services they provide. If you have any questions about your financial responsibility, please call (914) 493-5446.