Our goal is to answer your billing and insurance questions with transparency and accuracy.

Our Patient Financial Services team is available to work one-on-one with you to coordinate financial agreements before, during and after any procedure. You also have the convenient and secure option of paying your account balance online using our online bill-pay system, 24/7.


Family reviewing medical costs


Whether dealing with an unexpected visit or preparing for a planned procedure, the costs involved with hospital visits can be confusing and overwhelming. Our goal is to help you understand your bill and to assist you with making payments easily.

Below are tools, resources and guidance to navigate the process, know what to expect, and the potential cost so you can avoid surprises. Our online bill payment system makes it easy to manage your expenses and our Patient Finance team is available to answer questions.



Whenever possible, contact your insurance company prior to seeking medical care. Ask your insurance company to:

  • Verify whether pre-authorization is needed for the service you are to receive and whether authorization has been obtained by the service provider.
  • Confirm your co-payment responsibility. Some services, such as Rehabilitation, may require a co-payment for each visit.
  • Confirm that WhidbeyHealth Medical Center is a participating provider for your plan. This can make a difference in how the insurance company pays your bill. WhidbeyHealth is a Preferred Provider for many insurance companies.
Remember... whenever you have a life-threatening emergency, you should seek appropriate care immediately.

Contact your insurance company as soon as possible after the emergency.

Ready to pay your bill online?   CLICK HERE
Our Patient Financial Services team is here to help.
Call us at: 360.678.7656 EXT. 4097
or to
Contact us online CLICK HERE


We welcome your request for a price estimate related to your upcoming treatment at WhidbeyHealth.

Just call the number above to speak to a member of our Patient Financial Services team, who will provide an estimate based on your services and your health insurance provider, including the specifics of your coverage plan.

Here are some helpful tips on Healthcare Finances:



WhidbeyHealth accepts most health insurances. Please contact your insurance provider if you have  questions.

NOTE: Walk-In Clinic visits are billed as office visits, not Emergency Department or Urgent Care services.
Please bring your insurance card, photo ID, list of medications and medical history, if any.


If you do not currently have health insurance, we are happy to work with you to find a plan that meets your needs.

To get started, CLICK HERE to access the Washington Health Plan Finder or CLICK HERE to download their mobile app.



Patients are required to pay balances in accordance with the following guidelines:

  • Physician office and therapy visit co-pays are required on the date of service. Lack of co-pay payments for any visit may result in rescheduling of the service.
  • Payments may be made using cash, check, or credit card (Mastercard, Visa or Discover are accepted).
  • Extended payment plans are available upon approval with a maximum extension of twelve (12) months and a minimum payment of $50 per month.
  • Delinquent accounts will be referred to a collection agency at which time additional fees will be assessed.

If you are unable to meet these terms, or need help paying your bill, financial assistance is available to those who qualify.

Please contact our Patient Financial Services Office at (360) 678.7656 x4097



WhidbeyHealth is committed to ensuring our patients get the hospital care they need regardless of ability to pay for that care. You may qualify for free or discounted care based on family size and income, even if you have health insurance. When possible, we encourage you to ask for financial help before receiving medical treatment.

What Is Covered? For emergency and other appropriate hospital-based services, we provide free care and financial assistance/charity care to eligible patients on a sliding-scale basis, with discounts ranging from 40 to 100 percent.

How to Apply: Any patient may apply to receive financial assistance/charity care by submitting an application and providing supporting documentation.

If English is Not Your First Language: Chinese; RussianSpanishKhmerKoreanVietnameseLaotian.

Coverage assistance: You may be eligible for other government and community programs. We can help you learn whether these programs including Medicaid/Apple Health can help cover your medical bills. We can help you apply for these programs.

Payment plans: Any balance for amounts owed by you is due within 30 days. The balance can be paid in any of the following ways: Credit card, payment plan, cash, check or online bill pay. If you need a payment plan, please call the number on your billing statement.

Emergency Care: WhidbeyHealth Medical Center has a dedicated emergency department and provides care for emergency medical conditions (as defined by the Emergency Medical Treatment and Labor Act) without discrimination consistent with available capabilities, without regard to whether or not a patient has the ability to pay or is eligible for financial assistance.



We have several ways to predict the cost of your services:

  1. Contact your provider for a detailed list of anticipated services, physicals, immunizations, and routine visits.
  2. Download the SERVICE PRICE CHART - the most current pricing for services and supplies.
  3. To give you the most accurate estimate, we recommend that you contact your provider for a complete line-by-line list of procedures, supplies, and other treatments involved in your care. Once you have the detailed list, contact us at 360.678.7656 ext.4097, or online at Contact Us.


We can help you estimate your costs based on the information we receive from you and is not a guarantee of what you will be charged.

Estimates are primarily for services delivered at WhidbeyHealth Medical Center, for example lab tests, diagnostic imaging procedures and same day surgeries such as colonoscopies and cataract surgeries. To receive cost estimates for items such as physicals, immunizations, and routine clinic visits, please contact your WhidbeyHealth provider.

In many cases it is impossible to predict final charges because of variables that affect your services such as:

  • Length of time spent in surgery or recovery
  • Specific equipment, supplies and medications required
  • Additional tests required by your physician
  • Any unusual special care or unexpected conditions or complications
  • This estimate does not include any physician charges (e.g. office visit, surgeon, anesthesiologist, emergency room physician, radiologist, pathologist, consulting physicians, etc.).

This estimate does not include any physician charges (e.g. office visit, surgeon, anesthesiologist, emergency room physician, radiologist, pathologist, consulting physicians, etc.).

If you have insurance, your benefits will ultimately determine your portion of the total cost, including deductibles, co-pay, co-insurance and out-of-pocket maximums.