CoxHealth Collection Policy

CoxHealth is committed to fair, respectful, and transparent billing practices. We understand that medical bills can be stressful, and we work to provide clear communication, flexible options, and support for patients who need help paying for care.

This page provides a summary of our billing and collection practices. You can download the full policy below.

What you can expect

We make timely and good-faith efforts to bill patients and insurance companies accurately. Our goal is to ensure you understand your financial responsibility and available options.

Clear statements and billing communication
Itemized bills available upon request
Multiple attempts to contact you before outside collections
Respectful treatment at every stage of the process

CoxHealth complies with federal laws, including EMTALA, and provides emergency medical screening and stabilizing treatment regardless of a patient’s ability to pay.

Insurance and payment

We submit claims to your insurance company based on the information provided at the time of service. After your insurance processes the claim, you will receive a statement for any remaining balance, including copayments, deductibles, coinsurance, or noncovered services.

Payment is due at the time of service or upon receipt of your first statement.

If you are unable to pay in full, please contact us. We offer:

Payment plan options based on your financial situation
Financial assistance programs for those who qualify

Certain elective services may require payment before or at the time of service.

Collection practices

If a balance remains unpaid, we make several good-faith attempts to contact you before referring your account to a collection agency. These efforts may include mailed statements, phone calls, and written notices offering payment plans or financial assistance.

CoxHealth does not allow abusive, harassing, or coercive collection behavior. Legal action is considered only after all other efforts, including financial assistance screening, have been completed and approved by leadership.

Accounts may be reported to credit bureaus only after required timeframes and outreach efforts have been met. Accounts under active dispute, approved payment plans, or financial assistance review will not be reported.

Your rights and protections

Under the No Surprises Act, patients receiving certain emergency or out-of-network services are protected from unexpected balance billing. Uninsured and self-pay patients may also receive Good Faith Estimates for scheduled services.

If you believe there is an error on your bill, you may dispute charges by contacting Patient Financial Services. Your account will be placed on hold during the review process.

Download the full policy

For complete details, please review our full Billing and Collections Policy.

If you have questions about your bill or need help exploring payment options, please contact Patient Financial Services.