Patient Billing and Financial Services

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Billing and Finance Information

White River Health (WRH) is a tax exempt organization committed to providing medical care for residents of North Central Arkansas. We will not refuse medically necessary services to any patient regardless of ability to pay for medical services.

We know most medical costs are unexpected, and understanding your medical bills can be complicated. The WRH financial team wants to help you meet your treatment needs. Our billing specialists and financial advocates are available to help answer your questions.

Insurance and Financial Services

WRH accepts most major insurance plans. If you have any questions about your coverage or its applicability to WRH services, please contact your company's representatives.

WRH participates in a large number of commercial plans, PPOs, HMOs, and Workers' Compensation MCOs. We are continually growing and adding other networks to provide regional care to area residents. If you have a question about your coverage, call our Patient Financial Solutions Specialist for assistance at (870)262-1188.

WRH will bill your health plan on your behalf, including Medicare and Medicaid, for payment of hospital services. However, it is important to remember that you are ultimately responsible for payment of your hospital bill.

Many insurance companies require proper authorization, pre-certification and/or referrals. It is your responsibility to know what your insurance company requires and to obtain the proper authorization. WRH may ask you to pay any unmet deductibles, co-payments or other self-pay amounts that are due prior to the time of service or prior to discharge.

Financial Assistance Program

If you do not have health insurance or if you are experiencing financial difficulties paying your medical bills or you anticipate that you may not be able to pay your bill, WRH offers a financial assistance program. Financial Assistance is available for patients with limited incomes and who are uninsured or under-insured. Patients may be eligible to receive financial assistance for non-emergency, medically necessary services at WRH if they meet the income limits. The WRH Financial Assistance policy applies to all WRH facilities and employed providers.  For more information about the financial assistance program, call our Patient Financial Solutions Specialist at (870) 262-1188.

FInancial Assistance ApplicationFinancial Assistance PolicyFinancial Assistance Application - Español

Billing FAQs

We know most medical costs are unexpected, and understanding your medical bills can be complicated. The White River Health (WRH) financial team wants to help you meet your treatment needs. Our billing specialists and financial advocates are available to help answer your questions.

Can I pay my bill online?

Yes, our online payment service enables you to pay patient bills quickly, securely and conveniently. You can pay all or part of your bill online. There are no fees associated to paying your bill online or on the phone. We accept: Cash, Check, Debit, HSA/FSA, and most major Credit Cards.

Pay My Bill

When using our online bill pay system:

  • Enter your name exactly as it appears on your bill
  • When entering your account number, enter exactly as it appears on your bill – this is located at the top right corner of the bill. See Reading Your Bill below.
  • When entering your Zip Code – enter the 5-digit zip code

Are there other methods to pay my bill?

Yes, if you are unable to make an online payment, you are welcome to use traditional bill payment options via phone or mailing payment to:

White River Health

PO Box 2197
Batesville, AR 72503
Office Hours: Monday - Friday, 8:00 am – 4:30 pm
Phone: (870) 262-3115 or (877) 235-9091

Explanation of Charges

We will gladly work with all our patients for a better understanding of their WRH bill. Please contact us at (870) 262-3115 or (877) 235-9091 for an explanation.

We are also here to provide support and financial assistance if you are having trouble paying your bill. Please call (870) 262-1253 for help. We also offer the options of monthly payment plans and applying for financial assistance based upon family size and income.

COVID-19 Test Information

Updated April 2020

CPT Code 87635/G2023

Cash Price: $79.60

Charges for Hospital Services

To help patients prepare for medical expenses, White River Health has provided a link to hospital services and applicable standard charges. The charges for your hospital stay and your out-of-pocket costs depend on many factors including, your individual care needs, insurance coverage, deductibles, and co-insurance amounts.

The charges listed do not include professional fees charged by physicians and other health professionals such as the anesthesiologist, emergency room physician, hospitalist, pathologist, and/or radiologist who may provide consultation and care.

White River Health Patient Financial Advocates are available to assist you in understanding your hospital bill.  Additionally, White River Health has financial assistance available for those who qualify.  To obtain an estimate of charges and your financial responsibility for an upcoming hospital stay or outpatient procedure, please call 870-262-2929 Monday through Friday from 8 am to 4:30 pm. with your insurance information.  Standard hospital charges are published in accordance with regulations established by the Center for Medicare and Medicaid Services and are subject to change without notice.


We know most medical costs are unexpected, and understanding your medical bills can be complicated. The White River Health (WRH) financial team wants to help you meet your needs. Our billing specialists and financial advocates are available to help answer your questions.

What should I do first?

If paying your bill creates a financial burden or you believe the cost of your healthcare will be a financial burden, it is very important to let us know so we can help.

Financial Counselors

White River Health
(870) 262-1118

What is Financial Assistance?

If approved, Financial Assistance reduces your WRH bill. Your financial assistance is only applicable for services received at WRH facilities and by WRH providers. How much it is reduced is based on established guidelines that include income level, medical condition, and other indicators of inability to pay. If you think you might qualify for assistance, we encourage you to contact us and apply.

You may be eligible for:

  • Medicaid
  • Drug Financial Assistance through various Foundations
  • Payment Plans
  • Financial Assistance

Who Qualifies for Financial Assistance?

Financial Assistance is available for patients with limited incomes and who are uninsured or underinsured.

Patients may be eligible to receive financial assistance for non-emergency, medically necessary services at WRH if they meet the income limits.

If your income is equal to or less than 150% of the current Federal Poverty Guidelines and you meet the Financial Assistance Guidelines, you may be eligible for care at no cost to you. If your income is greater than 150% but not greater than 300% and you meet the Financial Assistance Guidelines, then you may be eligible for care at a reduced cost to you.

What are the income limits for Financial Assistance?

Discount100%90%80%70%0%
Family Size/FPL150%200%250%300%400%
1$23,475$31,300$39,125$49,950$62,600
2$31,725$42,300$52,875$63,450$84,600
3$39,975$53,300$66,625$79,950$106,600
4$48,225$64,300$80,375$96,450$128,600
5$56,475$75,300$94,125$112,950$150,600
6$64,725$86,300$107,875$129,450$172,600
7$72,975$97,300$121,625$145,950$194,600
8$81,225$108,300$135,375$162,450$216,600

Add $5,500 per family member exceeding eight(8). 


What if I do not meet the income limits for Financial Assistance?

If you cannot pay your bill, payment plans may be arranged with White River Health. Please contact us at 870-262-3115 or 877-235-9091 speak with a Billing Department representative.

What do I need to apply for Financial Assistance?

Please bring one item of required documentation from each category.


Required Supporting DocumentationExamples of Acceptable Documentation
Confirmation of Annual IncomeMost Recent Federal Income Tax Return, Last 4 pay stubs, Most recent W-2 or 1099 Social Security Award Letter, Full Bank Statements for recent 3 months, Unemployment Statement Workers Compensation Award Letter, Pension or Retirement Statement Investment Income
Verification of Social Security Number and/or Date of BirthDriver's License or State Issued Identification Card, Social Security Card, Birth Certificate, Baptismal Certificate, Military Discharge Papers, School Records
Verification of ResidencyMortgage Statement, Rental Agreement/Lease, Property Tax Bill, Room & Board Statement, Utility Bill, Written Verification from Landlord

Return the above documentation to the Financial Office:

White River Medical Center

PO Box 2197
Batesville, AR 72503

Fax: (870) 262-6547

Stone County Medical Center

PO Box 510
Mountain View, AR 72560

Fax: (870) 269-6593

What is the Average Out-of-Pocket Cost for someone without insurance?

Costs will vary depending on the healthcare service rendered and the setting in which the care is delivered.

You may call us at (870) 262-2929 for an estimate.

Can someone explain the Financial Assistance Program and help me apply?

  • Yes, free confidential help is available. Call our Financial Advocates at (870) 262-1253. You can also visit the Financial Counselors at White River Medical Center located on the 1st floor in the west entrance, Monday through Friday 8:00 am to 4:30pm or at Stone County Medical Center on the 1st floor in the main entrance, Monday through Friday 8:00am to 4:30pm.
  • If you do not speak English, translation services are available with an appointment.

The Financial Counselor can tell you if you qualify for free or low-cost insurance such as Medicaid. If the Financial Advocate finds that you do not qualify for low-cost insurance, they will help you apply for Financial Assistance to reduce your bill. The Financial Counselor will help you complete all the forms and tell you which documents you need to bring.


Patients Resources

Financial Assistance PolicyFinancial Assistance Application


Financial Assistance Plain Language Summary

Eligibility Requirements and Assistance Offered

Eligibility for financial assistance is based on multiple factors, including the nature of the condition and care required, insurance coverage or other sources of payment (including personal injury claims), income (Federal Poverty Level guidelines used to determine the amount of financial assistance offered), family size, assets, and any special consideration the patient or physician would like to have considered.

Financial assistance is offered to patients who are uninsured and under-insured. Partial or full financial assistance will be granted based on a patient’s ability to pay the billed charges.

Patients must fully comply with the application process, including submitting tax returns, bank statements and pay stubs, as well as completing the application process for all available sources of assistance, including Medicaid or Medical Assistance.

How to Apply for Assistance

The patient or any person involved in the care of the patient, including a family member or provider, can express financial concerns at any point during the patient’s care. The patient or responsible party will then be encouraged to complete a financial assistance application.

Financial assistance is limited to medical care provided at White River Health, Inc. facility locations and by White River Health, Inc. medical personnel. Expenses such as travel, food, lodging, durable medical equipment, and prescriptions are not covered under the Financial Assistance Policy. White River Health, Inc. will uphold the confidentiality and dignity of each patient, and any information submitted for consideration of financial assistance will be treated as protected health information under the Health Insurance Portability and Accountability Act (HIPAA).

Questions about Applying for Assistance

Should you have questions about applying for financial assistance please do not hesitate to ask any Patient Access Specialist, Financial Counselor or contact White River Health Business Office at (870) 262-1253.

No More Than Amount Generally Billed (AGB)

A patient determined to be eligible for financial assistance may not be charged more than amounts generally billed for emergency or other medically necessary care to patients who have insurance for such care.

If English is Not Your First Language

Translated versions of the application form, financial assistance policy, and this summary, are available upon request.

Financial Assistance Policy

Revised: 07.22.2025

Effective: 08.01.2020

Purpose

The Board of Directors of White River Health (WRH) is committed to the provision of financial assistance to patients who need care, have selected WRH for such care, and a determination has been made that the facility is the most appropriate facility for rendering such care of service and there is no other more suitable facility or program available to such patient where compensated care could be rendered. WRH follows federal guidelines in making reasonable efforts to determine a patient’s eligibility for financial assistance and utilizes federal poverty guidelines to inform financial assistance determinations.


This policy is approved and adopted by the WRH Board of Directors. It is necessary to adhere to an open door philosophy of furnishing adequate diagnostic and therapeutic services for emergencies to avoid claims of improper rejection, inappropriate transfers, or lack of recognition of cases requiring immediate attention in the emergency room. WRH conforms with existing Emergency Medical Treatment and Active Labor Act (EMTALA) laws and provides treatment for emergency medical conditions. Further, this policy prohibits WRH from engaging in actions that discourage treatment for emergency medical conditions or by permitting debt collection activities that interfere with the provision of emergency medical care.


The purpose of this policy is to ensure that requests for uncompensated service, reduced compensated services, and discount services are managed consistently, accurately, and timely.

PROCEDURES

These guidelines will be followed in providing financial assistance:

  • Uncompensated Services
  • Reduced Compensated Services
  • Discount Services


Each request for financial assistance will be evaluated on its own merits utilizing established patient accounts procedures based on this policy. Evaluation of the need for a particular patient may include such factors as:

  • Income
  • Availability of other forms of reimbursement whether insurance, social programs, or other financial resources


Uninsured patients and patients who qualify for financial assistance will not be charged for emergency or other medically necessary care at rates higher than the “amounts generally billed” (AGB) to third-party payers. The use of gross charges to such patients is prohibited. For purposes of this policy, WRH uses the look-back method to determine the AGB; the look-back method is based on claims allowed by Medicare fee-for-service and all private health insurers that pay claims to the facility during a prior 12-month period. The current AGB discount is 67% for Hospital-based Services, 61% for Professional and Specialty Services, and 20% for Primary Care and Behavioral Health Services.


Uncompensated/reduced compensation services will be limited to those patients whose family income is below 300% of the current national poverty guidelines. The prevailing national poverty guidelines will be the basis for determining eligibility and can be requested in writing, free of charge from the hospital or can be accessed at https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines.


Uncollectable accounts, accounts that were not reviewed by financial counselors at the time of service, and/or questionable collectible amounts may qualify for financial assistance during the collection process if they meet the above criteria.


In the following situations, a patient is determined as eligible for 100% reduction of charges:

  • If patient is currently eligible for full Medicaid benefits but was not eligible on a prior date of service, the facility will apply the financial assistance policy retroactively.
  • If patient states (s)he is homeless and WRH does not find any evidence to the contrary.
  • If patient is mentally or physically incapacitated and has no one to act on his/her behalf.
  • If patient is currently a resident of a nursing home facility and the facility can provide on a letterhead stating patient is a resident on a fixed income with a provided Medicaid number.
  • In the event of a patient’s death, the family of the deceased patient may be eligible by presenting a copy of the patient’s death certificate and upon confirmation of no estate.


WRH will provide a copy of the Financial Assistance Policy, Financial Assistance Application, and Billing & Collections Policy upon request, free of charge. The policy can be requested by calling WRH Patient Financial Counseling Office at 870-262-1188, or by mail at 1710 Harrison Street, Batesville, AR 72501. The Financial Assistance Policy and a Plain Language Summary of the Financial Assistance Policy is also available online at WhiteRiverHealth.org/pay-my-bill and at all points of the registration within the facility.


This Financial Assistance Policy applies only to WRH facility and professional charges where applicable and does not include charges that are not billed via WRH. This policy only applies to emergency and medically necessary services without discrimination and may not apply to elective procedures.


All approved financial assistance at WRH will be valid for six (6) months from the date of approval, unless a patient’s source of income is Social Security, then financial assistance will be valid for 12 months. All approved financial assistance will apply retroactively.


This policy will be applied equally to all patients regardless of payer source. Applications that do not meet the criteria set forth in our policy may, in extraordinary circumstances, be approved by the Chief Financial Officer.

ADMINISTRATION OF FINANCIAL ASSISTANCE POLICY


WRH will provide care for emergency medical conditions and medically necessary services to individuals regardless of their ability to pay or eligibility for financial or government assistance, and regardless of age, gender, race, national origin, immigrant status, disabilities, sexual orientation, religious affiliation, or any other classification protected by federal, state or local law.


WRH provides financial assistance to persons who have received or will receive medically necessary care and/or emergent medical care and are uninsured, underinsured, ineligible for a government healthcare program or is otherwise unable to pay for the above services based upon their individual financial situation.


Eligibility for uncompensated services is limited to persons whose verifiable family income is equal to or less than 150% of the current poverty income guidelines as established by the Department of Health and Human Services.


Eligibility for reduced compensation services is limited to persons whose verifiable family income is greater than 150% of the current poverty income guidelines but not greater than 300% of the current poverty income guidelines as established by the Department of Health and Human Services.


Accounts that have been placed with a third-party collection agency are eligible for benefits provided requiring they meet appropriate guidelines. If approved, the account will remain with the collection agency but will receive the approved financial assistance reduction. All accounts placed with a third-party collection agency are eligible for a 35% settlement discount, upon request via patient or representative, if paid in full.


Acceptable household income verification for Financial Assistance Application may include:

  • Most recent federal income tax return
  • Monthly gross income for all household income
  • Most recent w-2 or 1099
  • Work history report from the Social Security Office
  • Social security benefit letter
  • Pension or retirement statement
  • Child support
  • Most recent two bank statements for all household accounts


For patients who do not qualify for financial assistance and choose not to pay their bill, WRH reserves the right to pursue collections activity on unpaid balances if the patient or representative does not meet the agreed upon schedule. These steps are outlined in the White River Health Billing and Collections Policy.

PROCEDURE


  • Patient or representative requests financial assistance.
  • Patient is screened for Medicaid eligibility if uninsured.
  • Patient or representative completes application. If the applicant is unable to provide the required financial information, (s)he may call the Patient Financial Services office to discuss other evidence that may be provided to demonstrate eligibility.
  • Financial Counselors review application for completeness no more than 15 days from date of receipt. If the application is not properly completed, the patient or representative is contacted for specific additional information required. If needed information is not provided within 10 business days, the application becomes void.
  • Financial Counselors review services provided to verify eligibility. If the service is covered by other third- party payers, the patient or representative is contacted, and these avenues are pursued. If the question of extraordinary circumstances arises, the account is referred to appropriate management for determination of eligibility. Based upon management decision, the account is either returned for processing or denied. If denied, payment options are discussed with the patient or representative.
  • Patient Financial Services review to determine if account is placed with a collection agency. Collection efforts will be temporarily suspended while a complete application is being processed.
  • Patient Financial Services compares family income to current Department of Health and Human Services poverty guidelines. If the family income is at or below 150%, the account is discounted 100% and notification is sent to the patient or representative. Determination of eligibility will be provided, generally, within 60 days of receiving a completed application.
  • If the family income exceeds 150% of the Department of Health and Human Services poverty guidelines, Patient Financial Services compares family income to the reduced compensation schedule. If the family income meets the requirements outlined in the schedule, the patient or representative is notified of acceptance, details of discount procedure is explained, payment plan is established, the account is discounted appropriately and notes detailing discount are placed on the patient’s account record.
  • If the account is ineligible for reduced compensated benefits, the patient or representative is notified of denial; payment options are discussed with the patient or representative.
  • WRH reserves the right to work with patients if they cannot meet the established guidelines. All applications for financial assistance will be maintained for a period of seven (7) years from date of receipt


Exhibit 2:

BalanceMonth Term
              $100-500      6 Month Maximum Term
           $501-1,000    12 Month Maximum Term
        $1,001-2,500    18 Month Maximum Term
        $2,501-5,000    24 Maximum Term
  $5,000+ See Financial Counselor for arrangements


Services covered under the WRH Financial Assistance Policy include White River Medical Center, Stone County Medical Center, professional fees provided in a hospital inpatient or outpatient setting and all WRH-owned clinics or other WRH-owned locations.


Approved financial assistance will be honored by all participating professional groups and clinics (as listed below). It is the patient’s responsibility to communicate approved financial assistance with the participating clinics as needed.

 White River Health Professional Services

  • White River Health Anesthesia Group
  • White River Health Emergency Physicians Group
  • White River Health Hospitalist Group

White River Health Primary Care & Behavioral Health Services

  • White River Health Behavioral Health
  • White River Health Children's Clinic
  • White River Health Family Care - Cave City
  • White River Health Family Care - Harrison Street Internal Medicine
  • White River Health Family Care - Melbourne
  • White River Health Family Care - Newark
  • White River Health Family Care - Newport
  • White River Health Family Care - Southside
  • White River Health Family Care - Sugarloaf
  • White River Health Family & Specialty Care - Harrison Street
  • White River Health Internal Medicine
  • White River Health Specialty Care - Cherokee Village
  • White River Health Family Medicine
  • White River Health Specialty Care - Mountain View
  • White River Health Specialty Care - Newport

White River Health Specialty Services

  • White River Health Cardiology
  • White River Health Neurology
  • White River Health Oncology
  • White River Health Orthopaedics, Hand Surgery, & Sports Medicine
  • White River Health Pain Management - Batesville
  • White River Health Pain Management - Mountain View
  • White River Health Pulmonology
  • White River Health Rheumatology
  • White River Health Surgery Clinic - General Surgery
  • White River Health Wound Care

Additional Resources

White River Health

Patient Financial Counseling Office 

1710 Harrison Street

Batesville, AR 72501 

870-262-1188 Phone

870-262-6547 Fax 

Department of Health & Human Services Poverty Guidelines

White River Health Billing & Collections Policy

White River Health Financial Assistance Policy & Poverty Table

Politica De Asistencia Financiera – Resumen En Lenguaje Sencillo

Requisitos para Calificar y Asistencia Disponible

Para calificar a recibir la asistencia financiera se estudia varios factores, incluyendo la clase de su condición y la atención requerida, cubertura de seguro u otros fuentes de pago (incluso reclamos de indemnización por daños corporales), sus ingresos (el lineamiento que define lo que es el Nivel de Pobreza Federal será utilizado para determinar la cantidad de asistencia financiera brindada), tamaño de la familia, bienes, y cualquier tema en particular que el paciente o el médico solicita que se toma en cuenta. La asistencia financiera se podría otorgar a los pacientes quienes no tienen seguro de salud o tienen seguro limitado. Asistencia financiera parcial o completo se otorgaría dependiendo de la capacidad del paciente de poder pagar los cobros facturados.

El paciente deberá colaborar completamente con el trámite de la solicitud, incluyendo la presentación de sus declaraciones de impuestos, estado de cuentas bancarias y talones de pago, tanto como cumplir los trámites para solicitar asistencia de otras fuentes disponibles, entre ellas Medicaid o Asistencia Médica.

Como Solicitar Asistencia

El paciente u otra persona involucrada en el cuidado del paciente, incluyendo los parientes del paciente o un proveedor, puede expresarse preocupación financiera en cualquier momento durante el tratamiento del paciente. En aquel entonces, el paciente o la persona responsable por él será animado llenar una solicitud pidiendo asistencia financiera.

La asistencia financiera se limita a la atención médica brindada por los empleados de White River Health, Inc. únicamente en las instalaciones de White River Health, Inc. Los gastos como de viaje, comida, hospedaje, equipos médicos duraderos y medicina recetada no serán cubiertos por el Programa de Asistencia

Financiera. White River Health, Inc. protegerá la privacidad y dignidad de cada paciente, y toda información revelada para sostener la solicitud de asistencia financiera será tratada como información protocolizada según la ley HIPAA (Health Insurance Portability and Accountability Act).

Preguntas sobre Solicitando Asistencia

Si tiene usted preguntas sobre como solicitar asistencia financiera, favor de consultarse de inmediato con un Representante de Servicio al Paciente, un Asesor Financiero, o comunicarse con un funcionario de la oficina de Gestión de White River Health al (870) 262-1253.

Limites Sobre el Monto Cobrado (AGB)

Un paciente quien califica por la asistencia financiera no será cobrado más de los montos generalmente cobrados por servicios de emergencia u otros servicios médicos necesarios en comparación con el monto cobrado a los pacientes quienes tienen seguro de salud.

Por Si Ingles No Es Su Primer Idioma

Hay versiones traducidas a otros idiomas de: la solicitud, la política sobre asistencia financiera, y este resumen; todos los cuales están disponibles a petición.