Financial Matters

Hospital and Physician Billing

financial.jpgCooper University Health Care will submit hospital and physician bills to your insurance company for payment. According to the terms of your insurance policy, you may be responsible for portions of your bill such as co-payments, co-insurance, and deductibles.

Until the bill is paid in full, regular statements will be mailed to you advising you of the status of your account. Should the insurance company deny payment on all or any portion of your hospital bill, arrangement for payment may be made with the Patient Accounting Department. Payments may be made in the form of cash, check, Visa, MasterCard and American Express.

Co-Pays

All co-pays are expected to be paid at time of checkout.

Financial Customer Service

Representatives are available for any questions regarding your hospital bill, insurance coverage, or any patient responsibilities.

Our representatives are available:

  • Monday through Thursday: 8 a.m. to 7 p.m. EST
  • Friday: 8 a.m. to 6 p.m. EST
  • Saturday: 9:30 a.m. to 2 p.m. EST
  • Representatives may be reached at our toll-free number: 1.855.434.5938

Medicare

You have the right to all the hospital care required for the proper diagnosis and treatment of your illness or injury. According to federal law, your discharge date must be determined solely by your medical needs, not by your diagnosis or Medicare payments. You are entitled to full information about decisions affecting your Medicare coverage and the payment for hospital and post-hospital services.

Charity Care and Uninsured

If you require Public Assistance or Charity Care, advise the registration personnel or contact the Financial Counselor at 856.342.3140 to set up an appointment.

If you are uninsured or underinsured, you may qualify for a reduction of your billed charges. Click here for more information pursuant to New Jersey Legislature, P.L. 1971, c.136 and find out how you might qualify.

Financial Assistance Policy

Cooper University Health Care’s mission is to serve, to heal and to educate by offering innovative and effective systems of care and by bringing people and resources together, creating value for our patients and the community. Cooper strives to benefit the region through work in these ways, while supporting the areas in which we live and work. As part of that commitment, Cooper University Health Care appropriately serves patients in difficult financial circumstances and offers financial assistance to those who have an established need to receive emergency and other medically necessary services.

Offering financial assistance is just one component of Cooper University Health Care’s charitable mission. Cooper’s effort to serve every patient every day through integrated clinical practice, education and research are vital to Cooper University Health Care’s charitable purpose.

Financial assistance-eligible individuals include patients who do not have insurance and patients who have insurance but are underinsured. Opportunities for financial assistance may be reviewed before or after a service is rendered, but patients must cooperate with any insurance claim submission, exhaust their insurance or potential insurance coverage, and complete the application process in full before becoming eligible for financial assistance.

Patients who want to apply for financial assistance or who have been identified as a potentially eligible for financial assistance will be informed of the application process. Applications will be considered when completed within 240 days following a patient’s first billing period, or upon notification of any Extraordinary Collection Actions.

Patients or their representative may obtain a Financial Assistance Screening application or a full copy of Cooper’s Financial Assistance Policy in the mail by contacting Financial Counseling at 856.342.3140. Hardcopies are available by visiting any of our more than 100 hospital or practice locations, or downloading and printing the policy or application at no charge.

The Financial Assistance Policy is available in English, Spanish, Korean and Vietnamese at the links below:

 The Financial Assistance Application is available in English, Spanish, Korean and Vietnamese at the links below:

There are some important steps to complete your application for Financial Assistance. You will be asked to provide the following information:

Proof of completion of:

  • Financial Assistance application process, as applicable.
  • Proof of household income (pay stubs for the past 90 days).
  • A copy of three most recent bank statements from all banking or credit union institutions of the household.
  • A copy of the two most recent tax returns, including all tax schedules of patient, spouse, or any person who claims the patient as a tax dependent.
  • Full disclosure of claims and/or income from personal injury and/or accident related claims.

Amounts charged for emergency and medically necessary services to patients eligible for Financial Assistance will not be more than the amount generally billed to individuals with insurance covering such care.

Additional Financial Assistance/Charity Care Forms

Please check with your financial counselor to determine which of these additional forms may be necessary to complete your application for financial assistance.

Any questions about eligibility or about the process to apply may be directed to our Financial Counselors at 856.342.3140. Cooper’s Financial Counselors are ready to help you with any questions about submitting your Financial Assistance Screening application.