Skip to main content
Health System Revised Visitation Policy. Click here for details.

Billing Frequently Asked Questions

  1. What’s the best way for me to pay my hospital bills?
  2. What is a deductible? A co-payment?
  3. Who is responsible for paying my bill?
  4. What other bills will I receive?
  5. Did you bill my correct insurance?
  6. What is pending with my insurance?
  7. What do I owe?
  8. Did you receive my payment?
  9. Why didn’t my insurance pay?
  10. Is there a Patient Financial Assistance program available?
  11. Can I contact the Patient Accounting office through e-mail?
  12. Could my account be referred to collections or an attorney if I am making payments?
  13. How do I pay my bill that has been referred to collections or an attorney?


1. What is the best way for me to pay my medical bills?

There are several ways to pay your bills.

Payment methods include:

  • Pay by mail using the remittance coupons on your statements and use the envelopes provided;
  • Pay online using our Online Patient Billing Manager
  • Pay by credit/debit card over the phone by calling us toll free at 1-800-233-2108, Monday through Friday, 7:30 AM to 5:00 PM;
  • Pay in person at the Hospital Billing Department at our convenient location in Jackson at 257 Bancorp South Pkwy.

We do offer payment plans and other payment arrangements to satisfy balances due. Please see the Payment Options page for more information regarding Payment Types or Payment Plans.

2. What is a deductible? A co-payment? A coinsurance?

  • The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
  • A co-payment is a fixed amount ($20, for example) you pay for a covered health care service.
  • A coinsurance is a percentage of costs of a covered health care service you pay (20%, for example) after you’ve paid your deductible.
  • If your insurance pays all but a deductible or co-payment, you will be required to pay an estimate of your portion of the bill at the time of service.
  • The hospital will file the claim for you. After insurance has made payment, you will receive a bill asking for payment on the balance using cash, check, or credit card.
  • In certain circumstances, you may be able to make monthly payments to the hospital until your bill is paid in full. You should discuss this with our Patient Accounts Department.

You may refer to HealthCare.gov website for additional information. Make sure that you understand what the hospital requires and what payment options are available to you.

3. Who is responsible for paying my bill?

You are ultimately responsible for making certain that your bill is paid. The hospital will bill the insurance company that you provided as a courtesy on your behalf unless you specify otherwise.
If your insurance does not pay or if a balance remains after your insurance has issued a payment or a denial, payment is due immediately upon receipt of your statement.

4. What other bill(s) will I receive?

In addition to your bill from the hospital, you may receive bills from other physicians who may have provided services to you. For instance, you may receive bills from emergency room physicians, consulting physicians, radiologists, or other specialists. Please contact them directly at the number located on their bill if you have questions concerning their bills.

5. Did you bill my correct insurance?

Please contact one of our Billing Representatives by calling us toll-free at 1-800-233-2108. The Patient Financial Services department is available Monday through Friday 7:30 am until 5:00 pm.

6. What is pending with my insurance?

Please contact one of our Billing Representatives by calling us toll-free at 1-800-233-2108. The Patient Financial Services department is available Monday through Friday 7:30 am until 5:00 pm.

7. What do I owe?

Please contact one of our Billing Representatives by calling us toll-free at 1-800-233-2108. The Patient Financial Services department is available Monday through Friday 7:30 am until 5:00 pm.

8. Did you receive my payment?

Please contact one of our Billing Representatives by calling us toll-free at 1-800-233-2108. The Patient Financial Services department is available Monday through Friday 7:30 am until 5:00 pm.

9. Why didn’t my insurance pay?

Please contact your insurance directly for this information.

10. Is there a Patient Financial Assistance program available?

Information regarding the Patient Financial Assistance program to include its own set of frequently asked questions can be found on the Patient Financial Assistance program section of the website. For any questions related to the Patient Financial Assistance program, please call us toll free at 731-541-7000.

11. Can I contact the Patient Account billing office through e-mail?

Yes, you may e-mail our office 24 hours a day, seven days a week with questions. Please be patient for your response. We will personally reply to your message during normal business office hours. You may email us at wthcustomerservice@wth.org. The Patient Financial Services department is available Monday through Friday 7:30 am until 5:00 pm.

12. Could my account be referred to collections or an attorney if I am making payments?

Payment Guidelines: We offer monthly payment options for balances that cannot be paid in full. However, our payment guidelines require payment amounts of at least 7% of the balance billed on the statement. Payments less than 7% of the balance may result in your account being referred for external collection efforts. If you need help determining the minimum monthly payment amount for your balance or to inquire about other payment arrangements, please contact the Patient Financial Services Department at 1-800-233-2108, Monday through Friday, from 7:30 AM to 5:00 PM.

13. How do I pay my bill that has been referred to collections or an attorney?

Please contact them directly at the number provided on the bill or letter you received.