Hospital Charges Listing
While we strongly urge patients to utilize the Cost Estimator as the most convenient and user-friendly tool for estimating out-of-pocket costs, a complete list of all services and items provided by our hospital, including the 5 most common charges for those services, is available here, as required by the Centers for Medicare & Medicaid Services. A list of all services and items with only non-discounted charges (i.e. insurance, financial assistance) is also available here. While these lists are most relevant for employers and healthcare providers, they are accessible to everyone.
In response to the COVID-19 pandemic emergency, please find a list of charges which includes diagnostic testing for COVID-19.
We are committed to helping you understand and prepare for potential out-of-pocket costs related to medical services you or a loved one may receive at our hospital, and we have resources available to assist you. Please contact the hospital at 828-586-7000 at any time to discuss your specific care needs and the potential associated charges. If you are insured, you also should contact your insurer to understand their coverage of services.
The amount listed is not necessarily reflective of your actual financial responsibility. The amount collected by our hospital can be less than the amount on this list for a number of reasons, including discounts negotiated with third party payers like Medicare, Medicaid and commercial insurance companies as well as patient-specific discounts based upon financial need and other considerations. We recommend that all patients contact their insurer or our business office to discuss their individual situations and determine the potential out-of-pocket costs of their care.
This discussion with your insurer or the hospital is an important step because many factors affect an individual's financial responsibility for the cost of hospital care, including:
- If an individual has insurance, and under which insurer and plan he or she is covered;
- Individual qualifications for additional financial assistance from the facility;
- Factors specific to each patient's care and needs, such as:
- Length of stay in the hospital
- Specific items needed for care
- Additional testing required or recommended by your provider, and
- Unexpected complications.
Please contact the hospital at any time with questions, or view our Frequently Asked Questions below.
Co-Pays, Deductibles and Patient Balances
Patients with commercial or managed care coverage are responsible for paying co-pays, deductibles and fees for non covered services at the time of medical service. Please review your insurance policy benefits for details on your financial responsibility.
If you have questions about your coverage, please contact your employer or insurance company.
Payment Options and Discounts
Payment is accepted with cash, personal check or money order, bank cards, VISA, Mastercard and Discover. The patient or guarantor is responsible for payment of non covered services. Deductible, coinsurance and patient estimated portions are due at the time of service.
Swain Community Hospital accepts:
- Personal check or check card
- 90 days same as cash
- Credit cards; Visa, Mastercard, Discover
- Payment arrangements
- Medicaid eligibility
- Financial assistance for patient who meet Federal Poverty Guidelines through the Care Assistance Program (CAP)
Payments may be mailed:
DLP Harris Regional MC
PO BOX 603989
Charlotte, NC 28260 -3989
Commonly Asked Questions
- How did you determine which services to include in the Cost Estimator?
The Cost Estimator includes 70 pre-determined services designated by the Centers for Medicare & Medicaid Services (CMS), as well as at least 230 of the most commonly accessed services at our facilities.
- What if I cannot find the service I am looking for?
If you are unable to locate a service in the Cost Estimator, you may speak to a patient services representative at 828-586-6857.
- Does the estimate I receive in the Cost Estimator include everything I will pay for?
Your cost estimate is, as its title states, only an estimate of your final cost. Final out-of-pocket cost is dependent on several factors, including your individual health insurance coverage, as well as patient-specific financial needs and other considerations. Additionally, cost estimates may not include some specific services, like physician/provider services and pathology services, that are not provided by the hospital and may be billed separately, as well as any unforeseen charges based on ultimate length of stay and any unexpected complications that may arise.
One patient's needs may be vastly different from another's, even though they come to the hospital for the same procedure. It is difficult to estimate how this can differ.
We recommend that all patients utilize the Cost Estimator tool to determine an estimate for their out-of-pocket costs, refer to the additional information on this page and then reach out to their health insurer or a patient services representative at 828-586-6857 with any further questions specific to their individual situation.
- Does my estimate from the Cost Estimator for a particular service include any additional procedures or services I will need as a result of that service?
Primary services in the Cost Estimator are "bundled" with ancillary services that typically correspond with that primary service so that you can get as complete of an estimate of your out-of-pocket costs as possible. However, your estimate does not include any potential charges related to any unforeseen extension of stay or any unexpected complications that may arise from your service.
- If I see a lower price from another hospital or healthcare provider, will you "price match" the lower price?
We are unable to "price match" another facility's or provider's cost estimate as our estimates are based on contractual agreements with third party payers like health insurance companies.
- How long is my estimate good for?
Your estimate is, as its title states, merely an estimate. It is non-binding and intended only to provide you with a predicted range of costs to help you make a prepared and knowledgeable decision about your healthcare. Healthcare costs are based on contractual agreements with third party payers, like health insurance companies, and other factors, and thus are subject to potential fluctuations. Please see our Cost Estimator disclaimer for more information.
Also, any charges that a patient incurs are dependent on a variety of factors such as how long he or she has to stay in the hospital, any unexpected complications that may arise, specific supplies and items needed for care, and additional testing required or recommended to assess a patient's condition. One patient's needs may be vastly different from another's even though they come to the hospital for the same procedure. It is difficult to estimate how this can differ.
We do encourage all patients to contact their insurer or our business office to discuss their individual situations and determine the potential out-of-pocket costs of care they or a loved one may need.
- How does a provider set its prices?
Healthcare providers' prices are based on multiple factors, including but not limited to the cost of the service (i.e. equipment and supplies, personnel, etc.) and prices of similar services offered.
Hospital prices are set to take into account the expected mix of patients seen and reflect expected payments from varied third party payers, such as insurance companies and the government. In addition, they are typically set to achieve an overall small positive margin, so a hospital can keep up with community needs, reinvest in the hospital's services and facilities, provide care for those who can't pay, and collaborate with and support organizations that share in its mission so that the hospital can continue to provide the best possible care for the community.
- Why do different providers have different prices? Shouldn't one service cost about the same from one facility to the next?
Prices vary because all hospitals are different. Size, staffing, technology and equipment, services offered, the intensity of care provided, patients served, and many other factors all impact how much money a hospital needs to operate -- and how much it charges for services.
- What are you doing to help patients reduce or better manage their out-of-pocket costs?
While we are subject to many legal and regulatory restrictions when it comes to patient costs, a patient services representative can help individuals determine the potential costs of care they or a loved one may need and explore what programs, payment options and discounts may be available to them.