Virtual visits now available. You may be able to schedule a virtual visit with your provider. For more information, call your doctor’s office.
Covenant Health is an innovative, Catholic regional delivery network and a leader in values based, not-for-profit health and elder care. We sponsor hospitals, nursing homes, assisted living residences and other health and elder care organizations throughout New England.

Billing and Insurance

We continually strive to contain costs, while maintaining our commitment to excellence in medical care, by ensuring that appropriate effort is made to collect money owed to the hospital for services provided. 

Patients are responsible for the charges for services received. However, to assist patients in meeting their financial obligations, the hospital will bill their health insurance carrier(s) for them, as long as a valid ID card and/or information regarding insurance coverage is presented at the time of registration. 

The hospital accepts assignments of benefits and maintains an active follow-up program with all insurance carriers. Insurance is billed as a courtesy to the patient and the patient remains responsible for contacting their insurance carrier to ensure prompt payment of their accounts. Patients should contact their insurance carrier if payment has not been made within 45 days. Accounts with delinquent balances or without adequate payment arrangements may be forwarded to a collection agency or attorney. 

At the patient's request, a detailed bill may be provided. The hospital will send periodic statements to the patient or responsible party in an effort to keep them informed as to the status of all open accounts. 

Please contact our Patient Accounts department at (603) 578-5008 for more details. 

Physician Practices now under Provider Based Billing

All affiliated St.Joseph Hospital physician practices, with the exception of St. Joseph Hospital Pediatrics, have transitioned to "Provider Based Billing" and are now a department of St. Joseph Hospital.

Because of Medicare federal regulations, under provider based billing, patients will receive two bills per visit. One bill will be for physician/provider services and one bill will be for facility charges. 

Below is a list of Frequently Asked Questions which may be helpful:

What is Provider Based Billing (PBB)?                                                          

PBB refers to the billing process rendered in a hospital department. This process takes place when the hospital owns space and employs physicians and other support personnel who are involved in your care.

Will there be a change in how patients receive care?

No. Patients will continue to receive excellent quality care with their physician. Scheduling appointments tests and procedures will remain the same.

How does this affect the billing process?

Because of Medicare federal regulations, you will receive two separate bills. One bill will be for the physician's care and another for facility fees. This will result in two separate billings for a single date of service and two explanations of benefits from your payor. Previously these charges were grouped together.  Once Medicare has processed their portion for the charges, the balance will be submitted to a secondary payor, if you have one. If there is a balance, you will receive a bill this amount.

Will Medicare patients have to pay more for services?

If you are a Medicare patient and have supplemental insurance, it is likely that you will not have additional out-of-pocket expense. If you do not have supplemental insurance, there may be an additional expense to you.

Additional Information

We understand these changes can be confusing and want to assist you with any questions you may have about Provider Based Billing. For further assistance please call (603) 578-5008.

Thank you.