Patient Billing

Costs of service are reviewed on an annual basis and are comparable to other mountain resort areas. If you received an estimate of anticipated costs, and it does not match your bill, you must keep in consideration that the estimate is only a range of costs, and not an actual price. If you have further questions/concerns about your bill, please call Patient Accounts at (970) 777-2850 or (888) 209-7711.

Avon and Gypsum Urgent Care charges are based on the services patients receive, and the charging structure is more similar to an emergency room than a physician's office.

In person:

• VVMC Admissions at the hospital in Vail
• Patient Accounts Office at 410 McGregor Drive in Gypsum
• Avon Urgent Care at Chapel Square in Avon

By mail: PO BOX 1150 | Vail, CO 81658

Over the phone: (970) 777-2850 or (888) 209-7711

Online:  ONLINE BILL PAY (You will not be able to pay your bill online if the guarantor's social security number is not listed within the billing software.)

Although we prefer to receive payment in full within 30 days, a payment plan option may be available to you. To speak with someone regarding our payment plan terms and setup, please call customer service at (970) 777-2850 or (888) 209-7711.

VVMC offers financial assistance to Eagle County residents who meet our income requirements.  To become screened for eligibility, please call (970) 477-3116.

Due to the Health Insurance Portability and Accountability Act (HIPAA), we cannot discuss any person's account that is over the age of 18 without the patient's prior consent.

Each time you are seen at Vail Valley Medical Center, you will receive a new account number.  The exception is for monthly series accounts, such as physical therapy or cancer-related treatment, which are given a new account number on a monthly basis.

To provide feedback regarding the care you received at Vail Valley Medical Center, please call Patient Relations at (970) 477-5222.

Anthem BCBS

• PPO
• HMO (facility only)
• Indemnity
• Federal Employees

CHP+ offered through Colorado Access

Cofinity Network

• PPO

Aetna

• PPO
• POS II

First Health/Coventry/Affordable Health Network

• PPO
• Work Comp

Cigna

• PPO
• POS

Great West Health Care/One Health Plan Network

• HMO
• POS

Humana/Choice Care Network

• PPO
• POS depending on the patient's plan

*Not participating in the Humana Choice Network or Medicare HMO lines of business

Pinnacol Assurance Worker's Compensation

Multiplan/Private Healthcare Systems Network (MPI/PHCS)

• PPO

Rocky Mountain Health Plans

• HMO
• PPO
• Self-funded employer groups
• Medicare HMO/Medicaid HMO
• CHP+ offered through RMHP

UMR

• This is our hospital employee insurance

*No direct contract for other employer groups; must use a PPO network like Cofinity or United Healthcare to access VVMC as in-network.

United Healthcare

• PPO
• Choice Plus POS
• Some indemnity plans

United States Ski and Snowboard Managed Care Network

• PPO

*Uses Highmark BCBS for non-sport related injury and illness
*Uses American Specialty Insurance for sport related injury and illness

Vail Resorts

• Direct contract with this employer group

*Away from our facility, Vail Resort employees use the United HC PPO network

National Healthcare Solutions (International Insurance PPO Network)

There are several reasons why your Explanation of Benefits (EOBs) may not match your billing statement. Multiple claims may have been submitted to your insurance company depending on the care you received. Insurance companies generally process each claim separately and will send individual EOBs for each claim. However, VVMC will send you one bill for your date of service, rather than billing you per claim.  

Vail Valley Surgery Center bills separately from Vail Valley Medical Center. For questions about the Surgery Center's billing, please call (970) 476-8872.

The following providers also bill separately. The phone numbers for their billing departments follow.

Colorado Mountain Medical: (970) 328-1650
Vail-Summit Orthopaedics: (866) 358-0202
The Steadman Clinic: (866) 518-9629

There are two ambulance transport services within Eagle County that could have brought you to our facility:

Eagle County Paramedic Services: (970) 926-5270

Co-insurance refers to money that an individual is required to pay for services, after a deductible has been paid. In some health care plans, co-insurance is called "co-payment." Co-insurance is often specified by a percentage. For example, the employee pays 20 percent toward the charges for a service and the employer or insurance company pays 80 percent.

Co-payment is a predetermined (flat) fee that an individual pays for health care services, in addition to what the insurance covers. For example, some HMOs require a $10 co-payment for each office visit, regardless of the type or level of services provided during the visit. Co-payments are not usually specified by percentages.

The deductible is the amount an individual must pay for health care expenses before insurance (or a self-insured company) covers the costs. Often, insurance plans are based on yearly deductible amounts.

A pre-authorization is an approval by one's insurance company for the policy holder or dependent to receive hospital services or be admitted to a hospital. Pre-authorization should be sought according to your policy prior to receiving services or admittance in order for services to be covered by the insurance company.