Frequently Asked Questions

  1. What if I have questions on my bill?
  2. Why do I receive a different account number every time I come in for services?
  3. Will Cumberland Medical Center bill my insurance?
  4. When will my secondary insurance be billed?
  5. Why does Medicare sometimes leave more than my deductible or coinsurance for me to pay?
  6. Why was my visit to the Emergency Department so expensive?
  7. What should I do if I continue to receive a bill from the Hospital but my insurance company assures me it has paid the claim?
  8. Why did I receive bills from a radiologist, anesthesiologist, emergency physician and Cumberland Medical Center?
  9. My insurance authorized the services, why are you billing me?
  10. How can I make a payment?
  11. What forms of payment do you accept?
  12. Can I pay my bill over the telephone?
  13. Can I make payment arrangements?
  14. Who do I contact for financial assistance if I cannot pay my bill?
  15. Can I receive an itemization of my charges?
  16. I believe that I overpaid my account. How do I get a refund?
  17. Why did my insurance deny the claim?
  18. Must I register each time I come to the hospital?
1. What if I have questions on my bill?
If you have questions about your bill, call (931) 459-7281, Monday-Friday, 7:30 a.m. - 5:00 p.m. Please have the patient’s name and account number listed on the bill ready when you call.
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2. Why do I receive a different account number every time I come in for services?
A different account number is assigned to help us track individual cases and each case is rolled up under one medical record number.
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3. Will Cumberland Medical Center bill my insurance?
All Hospital services will be billed for all insurance companies providing the Hospital has the insurance information on file. It is important that you provide accurate and complete demographic and insurance information at the time of registration. The Hospital submits bills to your insurance company and will do everything possible to advance your claim. However, it may become necessary for you to contact your insurance company or supply additional information to them to expedite payment.
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4. When will my secondary insurance be billed?
Your secondary insurance will be billed after your primary insurance processes their portion of the bill.
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5. Why does Medicare sometimes leave more than my deductible or coinsurance for me to pay?
You may have received services that Medicare does not cover. The most common non-covered item is oral medication. Drugs that are commonly self administered are not covered when received during an outpatient stay. Self administered drugs include pills, tablets, capsules, patches, ointments, creams, eye/ear drops, nasal/throat spray, insulin, inhalers. Check your Medicare handbook for more information.
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6. Why was my visit to the Emergency Department so expensive?
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 should be done at your physician’s office or in a clinic setting to keep costs down.
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7. What should I do if I continue to receive a bill from the Hospital but my insurance company assures me it has paid the claim?
Check your statement dates to ensure sufficient time has passed between when the payment was made and the bill was issued. After you have reviewed this, then call the Hospital at 931-459-7281 to verify that payment was received.
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8. Why did I receive bills from a radiologist, anesthesiologist, emergency physician and Cumberland Medical Center?
These bills are for professional services provided by these doctors in diagnosing and interpreting test results while you were a patient. Pathologists, radiologists, cardiologists, and other specialists perform these services and submit separate bills. If you have questions about these bills, please call the number printed on the statement you received from them.
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9. My insurance authorized the services, why are you billing me?
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, we suggest that you contact your insurance company.
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10. How can I make a payment?
OPTION 1 - Mail payment to:
Cumberland Medical Center 421 South Main Street Crossville, TN 38555-5031

OPTION 2 - Pay in person:
Cumberland Medical Center Business Office 421 South Main Street Crossville, TN 38555

OPTION 3 - Pay online:
Follow the instructions on this site to pay your bill online.
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11. What forms of payment do you accept?
We accept cash, check, and credit cards (MasterCard, Visa, Discover).
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12. Can I pay my bill over the telephone?
Yes, we accept credit card payments over the phone. Please call us at 931-459-7719.
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13. Can I make payment arrangements?
Yes, please contact our business office during the hours of 7:30am – 5:00pm at 931-459-7281 to discuss CMC’s policy on payment arrangements.
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14. Who do I contact for financial assistance if I cannot pay my bill?
Call 931-459-7281 to request an application for Financial Assistance. Please also see the Resosurces Section available on this site. We can assist you in several ways: we have DHS personnel on site who will assist you with applying for TennCare or will give you advice on how to proceed. If you do not qualify for any type of Government programs, we can review your financial status to see if you qualify for our financial assistance program.
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15. Can I receive an itemization of my charges?
Yes, call us during business hours (7:30am – 5:00pm) at 931-459-7281.
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16. I believe that I overpaid my account. How do I get a refund?
Please contact our office during the hours of 7:30am – 5:00pm at 931-459-7281. We will review your account(s). If you are due a refund, we will process it promptly.
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17. Why did my insurance deny the claim?
One or more of the following may apply: The service you received was not covered under your plan. You may not have provided the correct insurance information at the time of service. The service you received from the hospital was outside your plan's network. You were not covered by your plan at time of service. Your primary care physician did not process a referral for the services or an authorization was not obtained prior to the services being rendered. You may call the Customer Service Department of your insurance company for a more definitive answer on the reason for denial.
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18. Must I register each time I come to the hospital?
Yes, information gathered from patient registration is stored in our computer system. We retrieve this information each time the patient returns for services and we ask the patient to verify that the information is current and accurate. Certain insurances require that specific questions be asked to determine whether they or another payor is primary. Your assistance in verifying the information is always appreciated.
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