Financially Preparing For Your Visit

Contact Your Insurer

When your physician confirms the need for additional services, contact your insurer to determine your benefit coverage. Many insurance carriers have coverage limits on room charges and certain tests, services and procedures. If you are unsure which services are covered, contact your insurance company’s member services office before your visit. 

Contact information can be found on the back side of your insurance card. In addition, many insurers require prior authorization. Please verify if pre-authorization is required and if necessary, find out if the service has been authorized by your insurance carrier.

Although Fletcher Allen will bill your insurance company for services rendered, please be aware Fletcher Allen participates as an in-network provider with these insurance plans.  If your plan has not listed your service at Fletcher Allen, it may not be covered by your plan.   


To protect your privacy and to expedite the check-in process the Registration Call Center will contact scheduled patients prior to arrival to verify and update basic information such as your home address, phone number who to contact in care of emergency and the type of insurance we should bill. 

Fletcher Allen Pre-Registration Phone Numbers:
Toll-Free 800-303-1939  

Pre-Admission Coordination

Financial Counselors are members of the Registration team who are dedicated to helping you understand your insurance benefits and to assist you in meeting your financial obligation prior to services being rendered. A Financial Counselor will contact you at home to verify basic information such as your home address, the name of your employer and the type of insurance you carry. 

We will also establish payment arrangements for your portion of the hospital service or physician care not covered by your insurance plan. This may include co-payments, deductibles and /or co-insurance amounts. Keep in mind that while Fletcher Allen may be in-network for your insurance plan for most services, some services may not be considered participating or “in-network”, such as laboratory or radiology services. You may contact your insurance company or visit the Participating Providers List.

Fletcher Allen Pre-Admissions Phone Numbers:
Toll-Free 866-631-4215

If a request for a payment deferral and or financial hardship is expressed, a financial counselor will work with you directly to make appropriate financial arrangements.  A financial counselor is available to assist you at 800-PFC-TEAM, or via email at  

Estimate of Service

How will I know how much my service costs?
Estimates of charges may vary for the same type of service based on individual patient needs.  The estimate provided is the average of all charges for patients receiving similar care and treatment.   We bill for the actual cost of medical care, which may include other fees and costs in addition to those stated in the original estimated amount. 

Hospital rates in the state of Vermont are regulated and can fluctuate, making the actual cost of care higher or lower than originally estimated.  Estimates are based on current pricing at the time the estimate is provided. Your final bill will reflect the actual cost of care. If you have any questions please contact a Patient Financial Counselor by calling 1-802-847-1122, or emailing FAHCPFC@VTMEDNET.ORG

Your out-of-pocket expense will depend upon your individual insurance plan.  Please note you will be responsible for co-pays, co-insurance, deductibles, non-covered and non-medically necessary services. To obtain an estimate for your service you will be asked to provide the procedure code related to the service requested. 

Please obtain the procedure codes and description of services to be provided by your physician and contact the Patient Financial Counseling department at 1-802-847-1122 or via email at     

Advance Payment

In order to offer our community access to the best care possible, we have had to enhance our financial procedures. Paying at the time of service helps us to avoid additional administrative costs, which can be used to continue to offer high quality care. 

  • Advance Payment (deposit)
    Co-payments and deductibles are due in advance of or at the time of service.  You may be responsible for additional out of pocket expenses based on your insurance benefit coverage.   
  • When to Pay in Advance
    Payment for elective services is required prior to or on the day of service. When payment in full is not possible, an advance deposit may be required to proceed with the service. 
  • If I am unable to pay
    If payment in full presents a financial hardship, financial assistance may be available to you. You may be eligible for a Fletcher Allen discount, State assistance or our Patient Assistance Program.  A counselor can also assist you in applying for state aid for coverage prior to your surgery/service date. You may also be assessed to determine if you may be eligible for Fletcher Allen Health Care’s Patient Assistance Program.  A Patient Financial Counselor may be reached at 1-802-847-1122 or a Customer Service Representative may be reached at 1-802-847-8000. 

Your Day of Service

For clinic and outpatient visits, please try to arrive 15 to 30 minutes before your scheduled appointment to allow for registration or check in, unless otherwise instructed.  For inpatient procedures, please arrive by the time specified by your physician’s office.        

To make your visit easier, remember to bring:

  1. Health insurance card.
  2. Picture identification, such as a driver’s license. 
  3. Referral and/or authorization forms, if required by your insurance company.
  4. Any physician orders provided by your MD.
  5. Payment method for co-pay, deductible, out-of-pocket expense/co-insurance. 

Do Not Bring
Valuables and jewelry should be left at home.  If your procedure requires the removal of eye glasses, hearing aid or dentures please secure these items with a family member or a friend.