Patient Billing

We appreciate you choosing Vail Valley Medical Center. As part of our quality service, we feel it is important that patients and caregivers are well-informed of our payment policies.

Vail Valley Medical Center now offers patients the option to go paperless and receive e-mail notifications regarding their statements.

Payment is made easy through our Patient Portal, our Online Business Office and other methods, outlined below.  

If you have any questions about billing, please do not hesitate to fill out our Billing Inquiry Form or contact our Customer Service Center. Our financial team can help you understand your bills, explain what to expect during the billing process, help you make a plan to ensure payment of your health care expenses, and help you apply for financial assistance if needed.

Customer Service Center

Hours: Monday through Friday, 8:00 AM to 4:30 PM MST
Phone: (970) 777-2850 or (888) 209-7711
Fax: (970) 777-2925 or (970) 777-2928


PO Box 1150
Vail, CO 81658

  • To meet with a patient billing representative, visit us in person at:

410 McGregor Dr.
Gypsum, CO 81637

Please be aware that each time you receive care at Vail Valley Medical Center, or your doctor sends a lab or pathology specimen to the hospital, a new account will be opened. Each account generally ties to a date of service. In most cases, a summary description of services provided for that account should arrive about five days after care. At any time, you may request additional information about itemized charges by calling our Customer Service Center.

VVMC bills and collects for the following services, which may not be located at the main Vail campus:

  • Avon Urgent Care
  • Beaver Creek Medical Center
  • Cardiac Rehabilitation Center
  • Gypsum Urgent Care
  • Howard Head Sports Medicine
  • Laboratory
  • Shaw Regional Cancer Center
  • Sonnenalp Breast Center

To pay your bill for the above hospital services with a date of service prior to 9/15/13, click here.

To pay your bill for the above hospital services with a date of service after 9/15/13, click here.

VVMC also bills and collects for the following Diversified Services:

  • Aesthetic & Reconstructive Surgery
  • Cardiology Institute
  • Endocrinology
  • Internal Medicine
  • Mountain Surgical Associates

To pay your bill for any of the above Diversified Services, click here.

VVMC does not bill for services provided by:

  • Colorado Mountain Medical
  • The Steadman Clinic
  • Vail Valley Surgery Center
  • Vail Summit Orthopaedics
  • Colorado Anesthesia, ApolloMD
  • Pediatrix
  • Medical Durable Equipment (such as Hangar Orthopedics or Otto Bock)
  • Home Oxygen (such as Lincare or AlpinAir)
  • Ambulance service

What to do before you need care:
We encourage you to become familiar with the terms and conditions of your health insurance coverage and review any changes each year. Understanding your insurance coverage can help you avoid unnecessary bills. If you are unsure of your co-pay responsibilities, please review your insurance card, call your insurance company, or call an Insurance Support Team representative at (970) 777-2902 or (888) 652-7640.

Billing Your Insurance Company
Vail Valley Medical Center will submit bills to your insurance company when complete information is supplied. Please remember that your policy is a contract between you and your insurance company, and you have the final responsibility for payment of your hospital bill. If your insurance company does not pay within 45 days of billing, please contact them to resolve the delay. Secondary insurance is billed after the primary insurance pays. If you were unable to provide complete billing information at the time of your visit, please phone the information to our Customer Service Center within 48 hours. For more information, please call (970) 777-2850 or (888) 209-7711.

Payment Options
Vail Valley Medical Center expects payment at the time services are rendered. Co-pays, co-insurance, deductibles and fees for non-covered services are expected at the time of service. If you are unable to pay your bill in full, please call (970) 777-2850 or (888) 209-7711 to set up a payment plan. Bills are expected to be paid within 12 months.

Pay your bill online by using Visa, MasterCard, Discover, American Express or Diners Club. Or pay by cash, personal check or credit card via mail at: PO Box 1150, Vail, CO 81658. Patients are also welcome to visit our offices to discuss a bill or pay in person: 410 McGregor Dr., Gypsum, CO 81637.

Financial Counseling

VVMC's Financial Assistance Guidelines (pdf) establish the financial requirements for payment of services based on consistent compliance criteria incorporating individual patient financial conditions and circumstances. If you do not have health insurance and cannot pay in full at the time of service, please call our financial counselors at (970) 477-3116 (Vail) or (970) 569-7525 (Edwards).

Frequently Asked Questions

My bill is higher than anticipated. Why is this?

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.

I went to Urgent Care for a non-emergent service, and the charges are higher than anticipated.

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.

How/where can I pay my bill?

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.)

Can I set up payment plan? How?

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.

What financial assistance do you offer? With whom do I speak for more information?

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

Why can't you discuss my spouse's/adult child's medical information with me?

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.

Why do I have several account numbers?

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.

I was happy/unhappy with the care I received at your facility. With whom can I share my experience?

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

With which insurance carriers do you contract?

Anthem BCBS

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

CHP+ offered through Colorado Access

Cofinity Network

  • PPO


  • PPO
  • POS II

First Health/Coventry/Affordable Health Network

  • PPO
  • Work Comp


  • 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


  • 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)

Why doesn't my "Explanation of Benefits" match the amount you are billing me?

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.  

Why am I getting a bill from Vail Valley Surgery Center?

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

Which ambulance transport service brought me to your facility?

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

Eagle County Paramedic Services: (970) 926-5270

What is co-insurance?

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.

What does co-payment or co-pay mean?

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.

How does my deductible figure into all of this?

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.

What does pre-authorization mean? How do I get it?

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.