Billing FAQs

If you have questions about your bill, or feel that it is incorrect, call 914.666.1701 from 9am-5:00pm Monday through Friday. When you call, be sure have the patient's name and account number listed on the bill or the patient's Social Security number. You can also e-mail your questions to us at, please provide your return phone number and a NWH Customer Service Representative will return your call within the next business day.

The bill you received is from Northern Westchester Hospital and is related to services rendered by Northern Westchester Hospital during an Inpatient, Outpatient, and Emergency Room visit or for laboratory work sent to our hospital for processing from your Physician’s Office.

In addition to the Northern Westchester Hospital bill, you may receive bills from one or more of these other providers who bill independently. 
- Physician(s) who cared for you while you were a patient at the hospital.  
- The anesthesiologist if you had a procedure at the hospital. 
- Ambulance services, Perinatologist, Radiologist, Cardiologists, Hospitalist 
- Physicians who have provided interpretation services for Lab work, X-rays and Cardiology procedures
Please call the business office at 914.666.1701, with your insurance information and a NWH Customer Service Representative will assist you with updating your information in NWH’s system 
Once your insurance carrier pays their portion of the bill, they will send you an explanation of benefits (EOB) to show how the claim was paid. You can compare your EOB to the statement sent by the hospital. How the carrier paid the claim is based on their contract with us and their contract with you. If you feel the insurance company should have paid a higher amount, please contact them directly for resolution.
We have several options for you to pay your hospital bill. You can pay your bill online by logging into your online account. We accept Visa, MasterCard, American Express and Discover or you can pay by eCheck. You may mail your payment to Northern Westchester Hospital – Attention: Patient Accounts, 400 East Main Street, Mount Kisco, NY 10549 or you may pay in person at the Patient Accounts Office at 34 South Bedford Rd. Second Floor, Mount Kisco, NY or by calling our Customer Service Department at 914.666.1701.
If you mailed your check, money order or credit card information it may take 5 business days for your account to reflect the payment.
Please click here for an explanation.  (Our link for sample statement will populate once here is clicked)
The HCRA Surcharge is a “tax” - similar to a sales tax - on the hospital services that you have received.  The hospital is required to collect the HCRA Surcharge and to pay it to the NYS Department of Health, unless your health plan has elected to pay the HCRA Surcharge directly to the State.  Some health plans will pay the HCRA Surcharge on the patient responsibility portion of your bill, for example, co-insurance and co-payments.  This will vary by health plan and if you have a question, you should contact your health plan representative.   
If you do not have health care coverage or if your health plan has not elected to pay the HCRA Surcharge on the patient responsibility portion of your bill, you are responsible to pay the HCRA Surcharge and the hospital is required to pay the collected HCRA Surcharge to the State.  If you have a question regarding your bill, please contact Northern Westchester Hospital at: 914.666.1701.  
If you have a question regarding the HCRA Surcharge, you may also contact the New York State Department of Health at (518) 474-1673 between the hours of 9 am - 5 pm, or you may visit their website -
Yes, we accept credit card payments and electronic checks over the phone. Please call us at 914.666.1701 M-F, 9am to 5pm.
The ED is staffed 24 hours per day, and fees are based on the costs associated with being prepared for emergency trauma at any time of day or night. Non-emergency visits are far less costly when patients visit a physician’s office or clinic.
Yes. Call us at 914.666.1701 or send an email request to , please provide your phone number, and a NWH Customer Service Representative will return your call within the next business day.
Call us at 914.666.1701 during the hours of 9am-4pm. We will review your account(s). If you are due a refund, we will process it promptly.
Your insurance plan may have a deductible, an out-of-pocket percent of cost referred to as a co-insurance, or a flat co-payment amount which you may be required to pay. Please refer to the explanation of benefits which your insurance carrier should have provided to you. If you feel that we haven’t billed your insurance carrier, or if you have additional insurance coverage, please contact our Patient Accounts Department at 914.666.1701 Monday through Friday between 9am and 5pm. Or you can email the Patient Accounts department at, please provide your phone number and an NWH Customer Service Representative will return your message within the next business day.
If you provided insurance information at the time of registration, please review your statement to determine if a payment or adjustment was made based on your insurance coverage. If a payment or adjustment was made, the remaining balance is your responsibility and may include coinsurance, deductible or other non-covered services.  If no payment was made by insurance company you can contact your insurance company to inquire or you may call the billing department at 914.666.1701 as we may need to update your insurance information. Or you can email us at , please provide your phone number and an NWH Customer Service Representative will return your message within the next business day.
Check your statement dates to ensure sufficient time has passed between when the insurance payment was made and the hospital bill was issued. After checking please call us at 914.666.1701 to verify that payment was received.
We remind our patients that they are ultimately responsible for their bill. The insurance authorization "is not a guarantee of payment." For questions relating to your insurance coverage, please contact your insurance company.
Your insurance will make payments to the hospital within in 30 days after receiving your claim, in most cases.  Should you receive a questionnaire from your insurance, it is imperative that you complete and return the questionnaire promptly to your insurance.  If the questionnaire is not returned promptly it will delay the processing and payment of your claim.
The hospital will bill your insurance payer, for inpatient, outpatient and Emergency Department services, as long as it has the insurance information on file. It is important that you provide accurate and complete demographic and insurance information at the time of registration. After the hospital submits bills to your insurance payer, it will do everything possible to advance your claim. However, it may become necessary for you to contact your insurance payer or supply additional information to them to speed up the payment.
If an insurance carrier denies your claims due to a COB (Coordination of Benefits) please contact your insurance carrier immediately. If your insurance carrier sent information to your home requesting additional information necessary for them to process and pay your claim please contact them in order to avoid total financial responsibility for your unpaid claim.
This is a set fee the HMO/PPO member pays for medical care at the time of service. Co-pays are applied to emergency room visits, hospital admissions, outpatient visits, office visits, etc. They are determined by your insurance plan and the cost is usually minimal. Patients should be aware of the co-payment required prior to receiving healthcare services.
It is a predetermined amount of money that a person commits to pay before the Insurance Company is responsible for any benefit payments. 
A co-payment is a required payment by the insured to pay a set or fixed dollar amount (i.e. $35, $50, etc.) each time a particular medical service is provided. 
Co-Insurance is the portion of medical costs that are shared by both the insured (the patient) and the insurer. 
Please contact your insurance carrier to confirm if our facility participates with your insurance company. Most insurance companies provide their contact information on the back-side of the patient’s insurance card. 
Your secondary insurance will be billed after your primary insurance processes their portion of the bill.
Under a provision called coordination of benefits, the hospital is obligated to bill the insurance that would be considered primary for you. Any medical insurance for which you are the primary holder must be billed before any other medical insurance.
Your No-Fault carrier is the primary payer.  When we bill your medical insurance for treatment related to an accident, the carrier will want to know if there is any other insurance that may be liable for the bill. For Medicare recipients, this is a requirement to bill Medicare. If we cannot provide the information at the time of billing, the claim may be delayed, or even denied, until the information is given.
One or more of the following may apply: 1) the service you received was not covered under your plan; 2) you may not have provided the correct insurance information at the time of service; 3) the service you received was from a physician outside your plan's network; 4) you were not covered by your plan at the time of service; 5) your primary care physician did not process a referral for the service or an authorization was not obtained prior to the service being rendered. You may call the Customer Service Department of your insurance company for a more definitive answer on the reason for denial.
We are committed to respecting and protecting your privacy as a visitor to our Online Patient Financial Services Center. We take the issue of privacy very seriously and value the trust you place in us each time you use our services and access this website. Please click this link to access detailed information regarding Privacy and Use Information. Privacy link
If you need assistance establishing payment arrangements, please contact a customer service representative at 914.666.1701 Monday through Friday, 9:00am to 5:00pm.
Northern Westchester Hospital Center is proud of its not-for-profit mission to provide caring, high quality healthcare that meets the needs and expectations of the communities we serve. We have developed a financial assistance program designed to assist patients who are unable to pay all or a portion of their medical expenses. The program is based on income and need. To determine if you are qualified or for more information regarding our program, please contact a financial counselor at 914.666.1701 or, you can download, print and complete an application and mail it to us. Click here for an application.(financial assistance application.)
A Financial Counselor is a member of Northern Westchester Hospitals’ Patient Accounts team who is dedicated to assisting patients in identifying and/or determining healthcare coverage or sources of reimbursement that may be available to them, whether from NWH Charity Program or government programs. 
As a not for profit healthcare provider, it is imperative for both patient and hospital, that any and all means of reimbursement for hospital services are identified. Our financial counselors work closely with patients as early as possible during the point of service, to ensure that the necessary documentation, research, and approval can be completed before services are provided. Contact a Financial Counselor at 914.666.1701 for more information.
Yes. Information gathered from patient registration is stored in our computer system. We retrieve this information each time a patient returns for services. In addition, we ask the patient to verify that the information is current and accurate. Medicare requires that we ask specific questions to determine whether Medicare or another payer is primary. We always appreciate your help in verifying this information. Information may be obtained prior to the service, eliminating a stop at the registration office.