Understanding Your Bill

Insurance coverage varies based on different plans. It's important to understand your individual coverage and your health plan. 

Patients who have health insurance coverage are typically responsible for copayments, deductibles and coinsurance costs at the time of service. These are the out-of-pocket costs that your insurance company requires you to pay and are due to Chesapeake Urology before your scheduled appointment or procedure in order to avoid delay or cancellation of services. Chesapeake Urology will then submit an insurance claim on your behalf for the services we provide.

For patients who are "self-pay" (who do not have insurance) or elect to have services performed that are not covered by the insurance plan, we will ask you to pay for services in full prior to your appointment or procedure. Our patient accounting liaisons are available to assist with payment options and can also help identify financial assistance programs should you need additional financial resources. Please contact a patient accounting liaison for assistance at 866-681-2335, Monday- Friday, 8:00 a.m. to 4:30 p.m.


Access Chesapeake Urology's financial policy here.


The following are explanations of key terms found on your Chesapeake Urology patient bill:

Physician/Provider Fees: Fees that are charged for professional services provided by your physician or other medical provider  in our offices, surgery center or in a hospital including:

  • A physician assistant
  • Nurse practitioner
  • A pathologist - A Chesapeake Urology physician who processes laboratory tests and specimens
  • Surgeon(s) - In certain complex cases, there may be more than one Chesapeake Urology surgeon

Facility Fees: Fees charged by Summit Ambulatory Surgery Center for the room, medical equipment and non-physician costs to provide the service.

Diagnostic Fees: Fees charged for laboratory services performed in Chesapeake Urology's in-house pathology lab (biopsies, blood work, urine specimens, etc.), you will see a charge from the Chesapeake Urology pathologist for lab services on your bill. Some laboratory services are performed by outside labs such as Quest or LabCorp. In these cases, you will receive a separate bill from the third party lab.

Bills you may receive from outside healthcare companies for services: If you received services from a provider or facility outside of Chesapeake Urology, you may also receive separate bills in the mail, including:

  • Hospital fees - Including operating room charges, anesthesiology fees and surgical assistant fees
  • Radiology - Including MRIs, CT scans and X-rays
  • Outside laboratory - Lab services performed by an outside lab such as Quest or LabCorp
  • Anesthesiology fees - Anesthesiology services, which are often performed by a third party anesthesiology group (Chesapeake Urology contracts with First Colonies Anesthesia)
  • Physical therapy - Physical therapy services performed outside of Chesapeake Urology
  • Other surgical-assisted services - Procedures that require the use of laparoscopic or robotic services

Copayments, Coinsurance, Deductibles and Outstanding Balances

  • Copayments, or copays, are the fixed amount you pay for a healthcare service as determined by your individual health insurance plan.
  • Coinsurance is your share of the cost of the service received. You pay a stated percentage of medical expenses after the deductible amount, if any, was paid.
  • A deductible is the amount an insured person pays before the insurance company starts to make payments for covered medical services. Plans may have both individual and family deductibles.
  • An outstanding balance on your account is the amount not covered by your insurance and is your responsibility.