Billing & Insurance

Pay Your Bill Online

Use the payment system through NHMRC MyChart to conveniently pay your bill.


NHRMC* is considered an in-network provider with many major insurance plans including:

  • Aetna
  • Atlantic Integrated Health (Employer)
  • Atlantic Packaging (Employer)
  • Blue Cross Blue Shield North Carolina
  • Blue Cross Blue Shield North Carolina - Blue Value, Blue Home
  • Cigna Healthcare
  • HealthTeam Advantage (effective January 1, 2023)
  • Humana
  • Medcost
  • Multiplan
  • Private Health Care Systems (PHCS)
  • United Health Care
  • Tricare
  • Sandhills LME MCO
  • Trillium LME MCO
  • AmeriHealth Caritas of NC
  • Blue Cross Blue Shield North Carolina - Healthy Blue
  • Carolina Complete
  • WellCare
  • Blue Cross Blue Shield North Carolina
  • Humana Medicare
  • New Hanover Health Advantage (FCC is TPA)

Take advantage of our patient pricing estimator to check your plan benefit allowances.

*Pender Memorial Hospital accepts most insurance plans, but contact our customer service center or check your out of pocket responsibility through our estimator as your patient liability may vary depending on in-network status of this facility with your insurance plan.

Your Hospital Bill

We will work with your insurance company to expedite your claim, however your policy is a contract between you and your insurance company and you have the final responsibility for payment of your hospital bill.

Before your admission, we encourage you to check the terms of your insurance coverage to help you understand the hospital's procedures and charges. Your hospital bill shows all of the services you receive during your stay.

Charges fall into two categories: 

  • Basic daily rate, which includes your room, meals, nursing care, housekeeping, telephone and television
  • Charges for special services, which include items your physician orders for you such as X-rays or laboratory tests

If you have certain tests or treatments in the hospital, you may receive bills from physicians you did not see in person. These bills are for the professional services of these doctors in diagnosing and interpreting test results while you were a patient.

Pathologists, radiologists, cardiologists, anesthesiologists and other specialists perform these services and are required to submit separate bills. If you have any questions about these bills, please call the number printed on the statement you receive.

For Billing Questions

If you have questions about your bills, call Patient Financial Services at 910-667-7050.

EMS Billing

If you need more information or have questions regarding EMS related billing, then please contact EMS Management and Consultants at 800-814-5339.

If You Have Health Insurance

We will need a copy of your identification card. We also may need the insurance forms which are supplied by your employer or the insurance company. You will be asked to assign benefits from the insurance company directly to the hospital.

If You Are a Member of an HMO or PPO

Your plan may have special requirements, such as a second surgical opinion or pre-certification for certain tests or procedures. It is your responsibility to make sure the requirements of your plan have been met. If your plan's requirements are not followed, you may be financially responsible for all or part of the services rendered in the hospital. Some physician specialists may not participate in your health care plan and their services may not be covered.

If You Are Covered by Medicare

We will need a copy of your Medicare card to verify eligibility and process your Medicare claim. You should be aware that the Medicare program specifically excludes payment for certain items and services, such as cosmetic surgery, some oral surgery procedures, personal comfort items, hearing evaluations and many preventive and diagnostic procedures. Deductibles and co-payments also are the responsibility of the patient and due at the time of service.

The NHRMC Physician Group now accepts Blue Cross Blue Shield of North Carolina - Blue Medicare and the following Medicare plans: traditional Medicare Parts A & B, Advantra - Coventry Healthcare, AETNA Health, Humana Medicare Advantage, Medicare Advantage Standard, NC Health Risk Pool (Inclusive Health), Partners Blue Medicare, and United Healthcare Medicare Solutions.

If You Are Covered by Medicaid

We will need a copy of your Medicaid card. Medicaid also has payment limitations on a number of services and items.

If You Have No Insurance

A representative from the Patient Access Department can discuss financial arrangements with you. A representative of the Division of Family Services is also available to assist you in applying for Medicaid or other government assistance programs.

If you do not currently have insurance, you may be eligible for a subsidy through the federal government. People who are not eligible for coverage through their employer, Medicaid, or Medicare, can apply for tax credit subsidies available through the Federal Health Insurance Marketplace.