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Billing & Insurance

At Ohio Valley Surgical Hospital, we are here to assist you with any insurance or billing questions you may have related to your procedure.

Insurance: Ohio Valley Surgical Hospital participates in most health insurance plans. We encourage you to call our Billing Department at 937.521.3943 for a confidential consultation. We will answer your questions regarding insurance coverage or billing.

Billing Statement

You may receive as many as five separate bills from the following care providers:

  • Ohio Valley Surgical Hospital: A billing statement from Ohio Valley Surgical Hospital for the facility charges associated with your procedure includes costs for staff, supplies, medications, and equipment. Call our Billing Department at 937.262.4442 with your questions.
  • Surgeon's charge: When you have a procedure at the Ohio Valley Surgical Hospital, your surgeon's office will bill for his/her professional services. If you have questions regarding your surgeon's bill, please call his or her office directly.
  • Anesthesia charge: If you have anesthesia at our facility, you will receive a separate bill for anesthesia services from Mercy Anesthesiologists, Inc. Please call their billing company, MEDAC, Inc., at 800.394.4445 with questions related to this statement.
  • Pathology charge: You may receive a Trillium Pathology statement for pathologist services if a biopsy was done. Please direct questions regarding your pathology statement to Trillium Pathology at 866.875.2536.
  • Radiology charge: You may receive a statement from Radiology, Inc. for radiologist services if imaging was performed. Please contact Radiology, Inc. at 866.287.0568 if you have any questions.

Pay My Bill

We hope that this information helps you better understand the variety of bills and statements you may receive after your surgery or procedure at Ohio Valley Surgical Hospital. If you have additional financial questions, please call these phone numbers:

Ohio Valley Billing Office, at 937.262.4442
  1. To make an online payment click here.
  2. To set up payment arrangements
  3. For questions about your hospital account(s)
Ohio Valley Insurance Specialists, at 937.521.3943
  1. For an estimate of your patient responsibility
  2. For questions about your Explanation of Benefits (EOB)
  3. For questions related to the in-network status of your insurance

No Surprises Act

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs such as a copayment, coinsurance, and/or a deductible. You also may have other costs or have to pay the entire bill if you receive care from a provider that is “out-of-network” for your health plan’s network.

“Out-of-network” means the provider has not signed a contract with your health plan to provide services. Out-of-network providers may be allowed to bill you for the difference between what your plan agreed to pay and the full amount charged to the plan for a service. This is called “balance billing.” This amount may be more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care—like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider that you do not or cannot choose.

You are protected from balance billing for:

Emergency services

If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility typically may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get at the facility caring for you after you’re in stable condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center

When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed.

If you get certain other services at these in-network facilities, out-of-network providers can’t balance bill you, unless you give written consent and give up your protections.

You’re never required to give up your protections from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have these protections:

  • You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles) that you would pay if Ohio Valley Surgical Hospital was in-network. Your health plan will pay Ohio Valley Surgical Hospital directly.
  • Your health plan generally must:
    • Cover emergency services without requiring you to get approval for services in advance (prior authorization).
    • Cover emergency services by out-of-network providers.
    • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
    • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you think you’ve been wrongly billed: you may file a complaint with the federal government at or by calling 1-800-985-3059.

Visit for more information about your rights under federal law.

Ohio Valley Financial Assistance

Ohio Valley offers additional assistance for patients with limited resources and insufficient insurance coverage. If you don't qualify for any of the many local, state and federal programs, you may qualify for a financial assistance program offered through our hospital.

Patients who qualify for payment assistance will need to fill out the Hospital Care Assurance Program (HCAP) and Financial Assistance Program (FAP) Application Form. Income verification documents may be required with the application.

Ohio Valley’s financial policy, a summary of the policy, and a financial assistance application can be downloaded below. You also can request any of these documents by calling (937) 262-4442 or (937) 521-3943, Monday through Friday, 8 a.m. – 4:30 p.m.

This financial assistance policy is revised as of 1/01/2023. For questions about services prior to this date, please call: (937) 262-4442 or (937)521-3943.

Ohio Valley’s financial assistance program applies to qualifying services provided by Ohio Valley Surgical Hospital, Ohio Valley Imaging Center and Ohio Valley Physical Therapy. During your course of treatment, you may receive services from other providers who are not covered by this program. A list of these providers can be obtained here. These providers may offer their own financial assistance program; please contact them directly to inquire. Because our provider list changes periodically, certain providers may not appear on the list. If you cannot find a particular provider, you may contact our Customer Service Department at (937) 521-3943 for confirmation.