Atlantic Health System facilities are considered network participants with many insurance companies, including those that are part of the Health Care Exchange (Affordable Care Act). Most insurance carriers take 30 to 45 days to process a claim, after which the hospital will seek your assistance in getting paid. If a claim is not paid within 75 days, the hospital will consider the bill a patient responsibility.
You should verify the accuracy of any bill when you receive one, and compare statements from the hospital and insurance carrier to ensure that they are in agreement. You should follow up with the insurance carrier or hospital if you have not received a bill or notice of payment within 45 days of service.
Insurance carriers frequently deny claim submissions after 60 days, and payment for late submissions may be considered a patient responsibility. Please assist the hospital in appealing to the insurance carrier for any services that are not paid. You can also assist the hospital by promptly responding to Coordination of Benefits (COB) requests that you may receive from your insurance carrier. Your prompt payment of any deductible, coinsurance and/or co-pay is also appreciated. For questions or assistance, call 1-800-619-4024.
Pre-Certification
Your insurance or managed care plan may require you to obtain pre-certification or pre-authorization for hospitalization, a procedure, surgery or service before they can be provided by the hospital and health care provider. Be certain to check this pre-certification requirement before your admission.
If you were admitted to the hospital through the emergency department, be sure that your insurance company is immediately notified of your admission. If you have any questions, please contact your insurance company or speak to your Atlantic Health System care manager.
You will probably receive more than one bill for services rendered by the hospital. Usually, one bill is sent for the use of hospital equipment, supplies, your room and board, and the time the nurses and other staff spent meeting your health care needs. You are responsible for any charges not covered or approved by your medical insurance company or managed care organization. The hospital bill does not include fees of any treating physicians.
You may receive a separate bill from your personal physician and any other physician(s) involved in interpreting tests or performing other services. For example, a cardiologist, pathologist, radiologist or anesthesiologist will each send a separate bill for his or her professional services.
Participating Insurance Plans
The below list of insurance plans that we contract with should not be considered comprehensive. Patients should always check with their individual carriers to determine the network status of Atlantic Health System facilities.
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AdvancED Urgent Care
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- Aetna/GEHA
- Amerihealth
- Brighton Health (Magnacare)
- Centivo
- Cigna/Oscar
- First MCO (workers' compensation)
- Horizon Blue Cross Blue Shield (all) Highmark
- Medicare
- Multiplan
- Qualcare
- UnitedHealthcare Community Plan
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Atlantic Health Urgent Care
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- Horizon BCBS
- Amerihealth
- Independence Administrators
- Medicare
- RailRoad Medicare
- Cigna
- Cigna Medicare
- Clover
- Meritain
- Aetena
- Aetena Medicare
- Meritain
- 1199 Benefit Fund
- United Healthcare
- UMR
- Oxford
- Healthnet Tricare
- Humana
- Magnacare
- First MCO
- Centivo
- Fairos
- Oscar (through Qualcare & Magnacare ONLY)
- GHI/Emblem (through Qualcare ONLY)
- First Health (effective 11/1/23)
- Veterans Affairs
- UnitedHealthcare Community Plan*
*Excluding our Atlantic Health Urgent Care locations in Newton, Sparta and Philipsburg.
Medicaid Based Plan:
- Horizon NJ Health
- Amerigroup
- Aetna Better Health
- Wellcare/Fidelis
- NJ Medicaid
Network Participation- Will need to Verify Urgent Care Benefits
- Multiplan Network
- PHCS Primary
- PHCS Health Directions
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Atlantic Imaging Services
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Atlantic Medical Group
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Atlantic Urgent Care
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- Aetna
- AmeriHealth
- Cigna
- Horizon Blue Cross Blue Shield of NJ
- Horizon Blue Card Plans
- Medicare
- Oxford Health Plans
- QualCare
- United Healthcare
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Chilton Medical Center
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- Aetna
- Aetna AHS PPO
- Aetna Better Health
- Aetna Medicare NNJ Prime
- Aetna Medicare Advantage (All plans)
- Aetna Whole Health
- Ambetter
- AmeriHealth NJ Tier 1 Advantage
- Amerihealth Regional Preferred
- Amerihealth Local Value
- Amerihealth Caritas VIP Care
- Brighton Health (formerly known as Magnacare)
- Blue Cross Blue Shield of New Jersey
- Carisk Imaging
- Centivo
- Cigna (excluding Indemnity)
- Cigna Behavioral Health
- Cigna Great West
- Cigna Local Plus
- ClaimDoc
- Consumer Health Network (CHN)
- Create (AHS network only)
- Fairos
- Fidelis NJ Medicaid (Formerly WellCare Managed Medicaid)
- First Health Group
- First Managed Care Option
- All Blue Cross Plans through Blue Card Program
- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield Indemnity
- Horizon Blue Cross Blue Shield Direct Access (All product types)
- Horizon Blue Cross Blue Shield EPO (All product types)
- Horizon Blue Cross Blue Shield HMO (All product types)
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Horizon Blue Cross Blue Shield OMNIA (All product types)
- Horizon Blue Cross Blue Shield POS (All product types)
- Horizon Blue Cross Blue Shield PPO (All product types)
- Horizon Blue Cross Blue Shield State Health Benefit Plan
- Horizon Blue Cross Blue Shield Medicare Advantage (All product types)
- Horizon Casualty
- Horizon NJ Health
- Humana Medicare Advantage (All Plans)
- Humana Military – a Tricare Network
- Longevity Health Plan
- Managed Health Network
- Medlogix
- Multiplan/PHCS
- National Preferred Provider Network (NPPN)/Planned Care America
- New Jersey Manufacturers through Horizon Casualty
- OccuNet
- Omnia Tier 1
- Oscar (when Qualcare Logo is present)
- Oxford Health Plan PPO
- Oxford Health Plan HMO
- Oxford Medicare Advantage (All Plans)
- Praxis Health Network
- QualCare (including GHI and Oscar products that specifically have the Qualcare logo on your insurance card)
- Tricare
- UnitedHealthcare
- UnitedHealthcare Community Plan
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
- United Medicare Advantage (All Plans)
- United Medicare Advantage Private Fee for Service Plans (PFFS)
- UPMC For Life Health Plan
- US Family Health Plan-a Tricare Network
- Value Options
- Veteran Affairs Community Care Network
- Wellcare Managed Medicare
- Wellpath Correctional
- Wellpoint (Amerigroup Managed Medicaid and Medicare Advantage
- World Trade Center Program
Chilton Medical Center also accepts patients covered by traditional Medicare-Part A/Part B.
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Hackettstown Medical Center
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- Aetna
- Aetna AHS PPO
- Aetna Better Health
- Aetna Medicare NNJ Prime
- Aetna Medicare Advantage (All plans)
- Aetna Whole Health
- Ambetter
- AmeriHealth NJ Tier 1 Advantage
- Amerihealth Regional Preferred
- Amerihealth Local Value
- Amerihealth Caritas VIP Care
- Blue Cross Blue Shield of New Jersey
- Brighton Health (formerly known as Magnacare)
- Carisk Imaging
- Centivo
- Cigna (excluding Indemnity)
- Cigna Behavioral Health
- Cigna Great West
- Cigna Local Plus
- ClaimDoc
- Consumer Health Network (CHN)
- Create (AHS network only)
- Fairos
- Fidelis NJ Medicaid (Formerly WellCare Managed Medicaid)
- First Health Group
- First Managed Care Option
- All Blue Cross Plans through Blue Card Program
- Horizon Blue Cross Blue Shield Indemnity
- Horizon Blue Cross Blue Shield Direct Access (All product types)
- Horizon Blue Cross Blue Shield EPO (All product types)
- Horizon Blue Cross Blue Shield HMO (All product types)
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Horizon Blue Cross Blue Shield OMNIA (All product types)
- Horizon Blue Cross Blue Shield POS (All product types)
- Horizon Blue Cross Blue Shield PPO (All product types)
- Horizon Blue Cross Blue Shield State Health Benefit Plan
- Horizon Blue Cross Blue Shield Medicare Advantage (All product types)
- Horizon Casualty
- Horizon NJ Health
- Humana Medicare Advantage (All Plans)
- Humana Military – a Tricare Network
- Independence Blue Cross
- Longevity Health Plan
- Managed Health Network
- Medlogix
- Multiplan/PHCS
- National Preferred Provider Network (NPPN)/Planned Care America
- New Jersey Manufacturers through Horizon Casualty
- OccuNet
- Oscar (when Qualcare Logo is present)
- Oxford Health Plan PPO
- Oxford Health Plan HMO
- Oxford Medicare Advantage (All Plans)
- Praxis Health Network
- QualCare (including GHI and Oscar products that specifically have the Qualcare logo on your insurance card)
- Tricare
- UnitedHealthcare
- UnitedHealthcare Community Plan
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
- United Medicare Advantage (All Plans)
- United Medicare Advantage Private Fee for Service Plans (PFFS)
- UPMC For Life Health Plan
- US Family Health Plan-a Tricare Network
- Value Options
- Veteran Affairs Community Care Network
- Wellcare Managed Medicare
- Wellpath Correctional
- Wellpoint (Amerigroup Managed Medicaid and Medicare Advantage)
- World Trade Center Program
Hackettstown Medical Center also accepts patients covered by traditional Medicare-Part A/Part B.
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Immediate Care Urgent Care
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- Aetna
- AmeriHealth
- Cigna
- Horizon Blue Cross Blue Shield of NJ
- Horizon Blue Card Plans
- Medicare
- Oxford Health Plans
- QualCare
- United Healthcare
Medicaid Based Plans
- Horizon NJ Health
- Amerigroup
- Aetna Better Health
- Wellcare By Fidelis Care
Insurances accepted vary by location, please call to confirm.
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Morristown Medical Center
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- Aetna
- Aetna AHS PPO
- Aetna Better Health
- Aetna Medicare NNJ Prime
- Aetna Medicare Advantage (All plans)
- Aetna Whole Health
- Ambetter
- Amerihealth Caritas VIP Care
- Amerihealth Local Value
- AmeriHealth NJ Tier 1 Advantage
- Amerihealth Regional Preferred
- Blue Cross Blue Shield of New Jersey
- Brighton Health (formerly known as Magnacare)
- Carisk Imaging
- Centivo
- Cigna (excluding Indemnity)
- Cigna Behavioral Health
- Cigna Great West
- Cigna Local Plus
- ClaimDoc
- Consumer Health Network (CHN)
- Create (AHS network only)
- Fairos
- Fidelis NJ Medicaid (Formerly WellCare Managed Medicaid)
- First Health Group
- First Managed Care Option
- All Blue Cross Plans through Blue Card Program
- Horizon Blue Cross Blue Shield Indemnity
- Horizon Blue Cross Blue Shield Direct Access (All product types)
- Horizon Blue Cross Blue Shield EPO (All product types)
- Horizon Blue Cross Blue Shield HMO (All product types)
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Horizon Blue Cross Blue Shield OMNIA (All product types)
- Horizon Blue Cross Blue Shield POS (All product types)
- Horizon Blue Cross Blue Shield PPO (All product types)
- Horizon Blue Cross Blue Shield State Health Benefit Plan
- Horizon Blue Cross Blue Shield Medicare Advantage (All product types)
- Horizon Casualty
- Horizon NJ Health
- Humana Medicare Advantage (All Plans)
- Humana Military – a Tricare Network
- Longevity Health Plan
- Managed Health Network
- Medlogix
- Multiplan/PHCS
- National Preferred Provider Network (NPPN)/Planned Care America
- New Jersey Manufacturers through Horizon Casualty
- OccuNet
- Oscar (when Qualcare Logo is present)
- Oxford Health Plan PPO
- Oxford Health Plan HMO
- Oxford Medicare Advantage (All Plans)
- Praxis Health Network
- QualCare (including GHI and Oscar products that specifically have the Qualcare logo on your insurance card)
- Tricare
- United Healthcare
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
- United Healthcare Community Plan
- United Medicare Advantage (All Plans)
- United Medicare Advantage Private Fee for Service Plans (PFFS)
- UPMC For Life Health Plan
- US Family Health Plan-a Tricare Network
- Value Options
- Veteran Affairs Community Care Network
- Wellcare Managed Medicare
- Wellpath Correctional
- Wellpoint (Amerigroup Managed Medicaid and Medicare Advantage)
- World Trade Center Program
Morristown Medical Center also accepts patients covered by traditional Medicare-Part A/Part B.
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Newton Medical Center
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- Aetna
- Aetna AHS PPO
- Aetna Better Health
- Aetna Medicare NNJ Prime
- Aetna Medicare Advantage (All plans)
- Aetna Whole Health
- Ambetter
- AmeriHealth NJ Tier 1 Advantage
- Amerihealth Regional Preferred
- Amerihealth Local Value
- Amerihealth Caritas VIP Care
- Brighton Health (formerly known as Magnacare)
- Carisk Imaging
- Centivo
- Cigna (excluding Indemnity)
- Cigna Behavioral Health
- Cigna Great West
- Cigna Local Plus
- ClaimDoc
- Consumer Health Network (CHN)
- Create (AHS network only)
- Empire
- Fairos
- Fidelis NJ Medicaid (Formerly WellCare Managed Medicaid)
- First Health Group
- First Managed Care Option
- All Blue Cross Plans through Blue Card Program
- Highmark Commercial
- Horizon Blue Cross Blue Shield Indemnity
- Horizon Blue Cross Blue Shield Direct Access (All product types)
- Horizon Blue Cross Blue Shield EPO (All product types)
- Horizon Blue Cross Blue Shield HMO (All product types)
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Horizon Blue Cross Blue Shield OMNIA (All product types)
- Horizon Blue Cross Blue Shield POS (All product types)
- Horizon Blue Cross Blue Shield PPO (All product types)
- Horizon Blue Cross Blue Shield State Health Benefit Plan
- Horizon Blue Cross Blue Shield Medicare Advantage (All product types)
- Horizon Casualty
- Horizon NJ Health
- Humana Medicare Advantage (All Plans)
- Humana Military – a Tricare Network
- Longevity Health Plan
- Managed Health Network
- Medlogix
- Multiplan/PHCS
- National Preferred Provider Network (NPPN)/Planned Care America
- New Jersey Manufacturers through Horizon Casualty
- OccuNet
- Oscar (when Qualcare Logo is present)
- Oxford Health Plan PPO
- Oxford Health Plan HMO
- Oxford Medicare Advantage (All Plans)
- Praxis Health Network
- QualCare (including GHI and Oscar products that specifically have the Qualcare logo on your insurance card)
- Tricare
- United Healthcare
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
- United Healthcare Community Plan
- United Medicare Advantage (All Plans)
- United Medicare Advantage Private Fee for Service Plans (PFFS)
- UPMC For Life Health Plan
- US Family Health Plan-a Tricare Network
- Value Options
- Veteran Affairs Community Care Network
- Wellcare Managed Medicare
- Wellpath Correctional
- Wellpoint (Amerigroup Managed Medicaid and Medicare Advantage)
- World Trade Center Program
Newton Medical Center also accepts patients covered by traditional Medicare-Part A/Part B.
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Overlook Medical Center
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- Aetna
- Aetna AHS PPO
- Aetna Better Health
- Aetna Medicare NNJ Prime
- Aetna Medicare Advantage (All plans)
- Aetna Whole Health
- Ambetter
- AmeriHealth NJ Tier 1 Advantage
- Amerihealth Regional Preferred
- Amerihealth Local Value
- Amerihealth Caritas VIP Care
- Brighton Health (formerly known as Magnacare)
- Carisk Imaging
- Centivo
- Cigna (excluding Indemnity)
- Cigna Behavioral Health
- Cigna Great West
- Cigna Local Plus
- ClaimDoc
- Consumer Health Network (CHN)
- Create (AHS network only)
- Empire
- Fairos
- Fidelis NJ Medicaid (Formerly WellCare Managed Medicaid)
- First Health Group
- First Managed Care Option
- All Blue Cross Plans through Blue Card Program
- Horizon Blue Cross Blue Shield Indemnity
- Horizon Blue Cross Blue Shield Direct Access (All product types)
- Horizon Blue Cross Blue Shield EPO (All product types)
- Horizon Blue Cross Blue Shield HMO (All product types)
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Horizon Blue Cross Blue Shield OMNIA (All product types)
- Horizon Blue Cross Blue Shield POS (All product types)
- Horizon Blue Cross Blue Shield PPO (All product types)
- Horizon Blue Cross Blue Shield State Health Benefit Plan
- Horizon Blue Cross Blue Shield Medicare Advantage (All product types)
- Horizon Casualty
- Horizon NJ Health
- Humana Medicare Advantage (All Plans)
- Humana Military – a Tricare Network
- Independence Blue Cross
- Longevity Health Plan
- Managed Health Network
- Medlogix
- Multiplan/PHCS
- National Preferred Provider Network (NPPN)/Planned Care America
- New Jersey Manufacturers through Horizon Casualty
- OccuNet
- Oscar (when Qualcare Logo is present)
- Oxford Health Plan PPO
- Oxford Health Plan HMO
- Oxford Medicare Advantage (All Plans)
- Praxis Health Network
- QualCare (including GHI and Oscar products that specifically have the Qualcare logo on your insurance card)
- Tricare
- United Healthcare
- United Healthcare Community Plan
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
- United Medicare Advantage (All Plans)
- United Medicare Advantage Private Fee for Service Plans (PFFS)
- UPMC For Life Health Plan
- US Family Health Plan-a Tricare Network
- Value Options
- Veteran Affairs Community Care Network
- Wellcare Managed Medicare
- Wellpath Correctional
- Wellpoint (Amerigroup Managed Medicaid and Medicare Advantage)
- World Trade Center Program
Overlook Medical Center also accepts patients covered by traditional Medicare-Part A/Part B.
Health Care Exchange Products
All Atlantic Health System hospitals, including Morristown Medical Center, Overlook Medical Center, Newton Medical Center, Chilton Medical Center and Goryeb Children’s Hospital, participate in select Health Care Exchange (Affordable Care Act) insurance plans. Please note that these products may have an associated network of preferred providers, and as such, your benefits and potential out-of-pocket expenses may vary depending upon where and by whom care is provided. It is strongly recommended that you contact your plan in advance of seeking services in order to understand your potential financial liability.
Health Care Exchange insurance products currently accepted:
- Ambetter
- AmeriHealth NJ Tier 1 Advantage
- Horizon Blue Cross Blue Shield of New Jersey- Horizon Advantage EPO
- Horizon Blue Cross Blue Shield of New Jersey- Omnia Tier 1
- Oscar (when Qualcare Logo is present)
- UnitedHealthcare Exchange (Individual Exchange Benefit Plan and Oxford Metro)
Avoid Surprise Medical Bills
When you fully understand which providers and hospital services are in-network vs. out-of-network, you reduce your chances of receiving an unexpected medical bill. The Healthcare Financial Management Association released a consumer guide that explains the key financial questions to ask before a medical procedure and who can best answer them.
