Free Guide to Novant Health Billing Payment Options

Understanding Novant Health's Payment Options

Novant Health operates across multiple states and serves millions of patients through its hospitals, clinics, and outpatient facilities. Like most healthcare systems, Novant Health accepts various payment methods for medical bills. This guide provides information about the different ways you can pay your Novant Health medical bills and how their billing system works.

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When you receive care at a Novant Health facility, you'll eventually receive a bill. Understanding your payment options before you get that bill can help you prepare. Novant Health processes payments through several channels, each with different procedures and timelines. The payment method you choose may affect when your payment is received and how quickly it appears on your account.

Novant Health bills patients directly for services rendered. Your bill will typically arrive several weeks after you receive care, as it takes time for the healthcare facility to process claims, verify insurance coverage, and calculate what you owe. The bill should itemize the services you received and show what your insurance paid (if applicable) and what portion is your responsibility.

Having multiple payment options means you can choose the method that works best for your situation. Some people prefer paying online for speed and convenience. Others may need to mail a check or call to make a payment by phone. Understanding each option helps you avoid late payments and keeps your account in good standing.

Practical Takeaway: Gather your billing statement or account information before attempting to make a payment, as you'll need details like your account number or date of birth to process most payments.

Online Payment Through Novant Health's Patient Portal

Novant Health offers an online patient portal where registered users can view bills and make payments. This portal provides 24/7 access to your account information and payment history. To use the online portal, you'll need to create an account with a username and password. The portal is one of the most direct ways to pay your Novant Health bill without speaking to a representative.

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To set up your portal account, you'll visit Novant Health's main website and look for the patient portal login area. You'll provide basic identifying information such as your name, date of birth, and medical record number (found on your billing statement or previous medical records). Once you've verified your identity, you can create login credentials and begin accessing your account immediately.

Through the portal, you can view itemized bills, see payment history, and check insurance information. The payment process itself typically takes just a few minutes. You'll enter your payment amount and select your preferred payment method—usually credit card, debit card, or bank transfer. Novant Health will show you the payment processing time before you confirm your transaction.

One important consideration: credit card and debit card payments processed through the online portal may have different processing times than bank transfers. Some credit card payments process within one to two business days, while others may take longer depending on your bank and card issuer. Bank transfers or ACH payments may also take several business days to post to your account. The portal will display estimated posting dates.

Security is built into the portal. Your personal health information and payment details are encrypted. You should never share your login credentials with anyone else, and you should log out when finished using a public or shared computer. If you forget your password, the portal has a password recovery option that verifies your identity before allowing you to reset it.

Practical Takeaway: Set up your patient portal account when you receive your first bill so you have it ready for future payments. Keep your login information in a secure location and update your password periodically.

Phone and Mail Payment Methods

Not everyone prefers online payments, and Novant Health recognizes this by offering phone and mail payment options. Paying by phone allows you to speak with a billing representative who can answer questions about your bill and explain charges while processing your payment simultaneously. Mail payments work for those who prefer traditional methods or don't have access to online services.

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To pay by phone, you'll call Novant Health's billing department. Your billing statement should display the customer service phone number to call for payments. When you call, a representative will ask for your account number or other identifying information to pull up your bill. They'll confirm the amount due and walk you through payment details. Most phone payments are processed using credit cards, debit cards, or bank account information. The representative will not ask you to provide your full card or account numbers verbally—instead, they'll give you a secure system to enter this information or send you a secure link to enter it online.

Phone payments typically post to your account within one to three business days, depending on your bank and the payment method used. The representative should provide you with a confirmation number for your records. Keep this number in case questions arise about your payment. Ask about any payment processing fees that might apply to phone payments, as some payment methods may have charges.

Mailing a check or money order is still a valid payment method. Your billing statement will show a mailing address where you should send payments. When mailing a check, write your account number on the check memo line so the payment gets applied to your correct account. Mail typically takes five to seven business days to arrive, and processing may add additional time. To track when your payment is received, you can call the billing department or check your account through the patient portal.

If you mail a payment, make a copy of your check before mailing and keep records of the amount and date sent. If you're mailing a large payment or have concerns about it arriving, consider using certified mail or another trackable method. Some people photograph their check before mailing as additional documentation.

Practical Takeaway: If paying by mail, send your payment at least two weeks before a deadline to allow time for mail delivery and processing. For immediate payments, use the phone or online options instead.

Payment Plans and Financial Arrangements

Not everyone can pay their entire Novant Health bill at once. For patients who owe significant amounts, Novant Health offers the option to set up payment plans. A payment plan breaks your total bill into smaller monthly installments, making the debt more manageable. This option is particularly useful for patients without insurance or those who owe amounts beyond their insurance coverage.

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To inquire about a payment plan, contact Novant Health's billing department directly. You'll need to discuss your financial situation and what monthly payment amount would work for your budget. The billing department will typically ask about your income, other debts, and financial obligations to determine what payment arrangement is reasonable. They may request documentation such as recent pay stubs or bank statements to verify your financial information.

Payment plans may be interest-free or may include interest charges, depending on your arrangement and the amount owed. Some patients negotiate zero-interest payment plans, while others may be offered plans with interest after a certain period. Make sure you understand the terms of any payment plan before agreeing to it. Ask whether there are fees for setting up the plan or if paying early carries any penalties. Get the payment plan details in writing, including the monthly amount due, number of payments, due dates, and any interest charges.

Novant Health may also work with patients on financial hardship. If you're experiencing temporary financial difficulty, contact the billing department to discuss your situation. Some healthcare systems offer partial bill reductions or forgiveness programs for patients who meet certain income requirements. These programs vary by location and facility, so there's no guarantee you'll qualify, but it's worth discussing with a billing representative.

Once you've agreed to a payment plan, make your payments on schedule to maintain the arrangement. Late or missed payments may cause Novant Health to cancel the plan and demand full payment of the remaining balance. If your financial situation changes and you can't maintain the agreed-upon payments, contact Novant Health immediately to discuss modifying the plan rather than missing payments.

Practical Takeaway: If you receive a large bill you can't pay in full, call the billing department within 30 days to discuss payment plan options before the account becomes past due.

Understanding Billing Statements and Payment Details

Your Novant Health bill contains important information you should understand before making a payment. The bill will show itemized charges for services, the date of service, descriptions of procedures or treatments, and the cost of each item. It will also show any insurance payments made on your behalf and what portion remains for you to pay. Learning to read your bill helps you spot errors and understand what you're paying for.

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The bill will typically show the total charges from the facility, the amount your insurance company was billed, the amount your insurance paid, and your remaining balance. This remaining