Insurance, Billing and Financial Counseling

University Hospital accepts all insurances. However, the insurances listed below currently have contracts with University Hospital. If your insurance is not contracted with University Hospital, you may be responsible for a portion or the full amount of your bill.
It is also important to keep in mind that you will get a separate bill from each physician who provides services. In addition, it is also possible that the physician may not participate with the insurances listed below. Only the physician’s offices listed on the bill can answer questions about those bills.
Your insurance carrier may require that you obtain a referral or script before seeing a specialist in one of our clinics. Prior authorization may also be required. Our staff is available to assist you with this process. Please feel free to call us at (973) 972-9000.

Accepted Insurances:

  • Aetna
  • Aetna Better Health
  • Amerigroup
  • Amerigroup Amerivantage Dual Coordination
  • Amerihealth
  • Beech Street (formerly Medichoice Networks)
  • Clover Health (formerly Care Point)
  • Consumer Health Network
  • Correctional Medical Serv. Inc.
  • Coventry (formerly Comm. Care Network/First Health)
  • Devon Health Services (formerly Americare)
  • Fed Med Inc
  • First Trenton Indemnity
  • Health Net Federal Services (Veterans Choice)
  • Horizon BCBS
  • Horizon NJ Health
  • Managed Care Inc.
  • Medicaid
  • Medicare
  • Multiplan Inc.
  • NJ Manufacturers
  • Preferred Providers of NJ (Qualcare PPO)
  • Prime Health Services
  • Qualcare Inc (HMO)
  • Three Rivers Provider Network
  • United Healthcare Community Plan (formerly Americhoice)
  • United Healthcare – Commercial products (not Medicare products)
  • WellCare Health Plans
  • Well Care Liberty (HMO SNP)
  • Worker’s Compensation — You will need to obtain written approval from your employer’s Risk Management department before your first clinic visit. Please note that not all physicians participate.
  • No Fault Claims — You will need to provide us with your insurance carrier’s name, address, and phone number, insurance policy number, claim number and the name of your insurance adjuster.
  • Accident or Legal Cases — In accident or legal cases where you expect an insurance company or other party to ultimately be responsible for your medical expenses, please know that we will look to you for payment while the dispute is being settled.

Note: This list should not be considered comprehensive. Patients should always check with their individual carriers to determine their status with University Hospital.


We will make reasonable attempts to collect payment from your insurance carrier; however, please remember you are ultimately responsible for your medical bills. Once we have heard from your insurance carrier, you will receive a monthly statement showing the amount that is your responsibility.
Your insurance carrier may require a co-pay, a deductible, or a co-insurance amount, or you may have certain non-covered services. In most cases, you are expected to pay for services that are not covered by insurance at the time of your appointment. ACS accepts American Express, Discover, MasterCard, Visa, debit cards, personal checks, money orders and cash payable at the cashier’s office.
Financial Counseling:
To determine your eligibility for medical assistance, please call (973) 972-8300 to schedule an appointment with a financial counselor. If you apply for Charity Care and your application is incomplete, you will be expected to leave a $50 deposit when you arrive for your appointment. This deposit will be returned to you if your application is approved for 100% Charity Care. You are expected to complete your Charity Care application no longer than two weeks after the application was started.

Financial Counseling Department Location and Hours of Operation

  • University Hospital
    150 Bergen Street
    Room C-203
    Appointments Only 973-972-8300

Monday – Friday, 7:30 am – 4:30 pm
Saturday, 8:30 am – 1:30 pm

  • Ambulatory Care Center-ACC
    140 Bergen Street D-Level,
    Room D-1650
    Appointments Only 973-972-8300

Monday – Friday, 8:00 am – 4:00 pm
No Saturdays


Updated December 2016

Scroll to Top