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Access our Billing FAQ's page for commonly asked questions and answers about your bill.

General Billing Procedures

Bills are mailed directly to the patient at the address on record, or to the "guarantor" of the account (if the patient is a minor, or has insurance coverage through another person). This person is designated at registration.

What is on Your Bill

Your bill represents the charges for services you received during your hospital stay. The daily rate includes bed occupancy, meals, and nursing care. You will also see charges for laboratory tests, diagnostic imaging (x-ray), medications, use of the operating room, and any other tests, procedures, or supplies your doctors have ordered. Professional fees for your physicians’ services, with some exceptions, are billed separately.

Information Printed on Your Bill

Your bill contains the name and phone number of your patient account representative and what to do if you suspect an error. Our weekday office hours are 8:00 A.M. to 5:00 P.M. Your bill will show the total charges and will indicate the insurance information we have on file.

Doctor’s Bills

Your hospital bill will include the charges for physicians who work for the hospital and provide services to you while you are in the emergency room, admitted as an inpatient or receive an outpatient procedure.  Patients should expect to receive separate bills from any private doctors who participated in their care, such as the surgeon, as well as from the radiology group, if diagnostic imaging was performed, and the pathology group, if specimen(s) were sent for pathological examination.  If you should have questions about any of these bills, please contact the doctor or group directly that is noted on the bill.

Summary & Itemized Statements

If you receive a summary billing and would like an itemized statement of your charges, you may request one.

Insurance Information

We depend on our patients to provide accurate billing and insurance information at the time of admission.  This is essential to ensure effective and timely claim filing on your behalf.  You are welcome to contact our Billing Office at any time to update your information in our system (See Billing Advocates below).

Estimating Payments

Our Healthcare Finance Coordinator can help you estimate your potential financial responsibility (after insurance) for hospital services. We may request a down payment of this estimated amount.

Insurance Coverage

The hospital participates with Medicare, Medicaid, Champus/Tricare, and Worker’s Compensation. We accept Employee Group Health and private insurance coverage if we receive complete billing information. For inpatient, surgical, and selected outpatient therapies, procedures, and testing, we will verify that the insurance is in effect at the time of service. The insurance subscriber is responsible for complying with their insurance company’s requirements. Those requirements may include obtaining referrals, pre-certification, second opinions, and/or ensuring that the hospital belongs to their particular network of managed care providers.

Clark Fork Valley Hospital will file your insurance claims, and will also file any secondary insurance that you report to us. If your insurance company has not paid on a timely basis, we will send you a letter requesting your help involving whatever problems have led to the delay in payment. You are responsible for seeing that your insurance company pays us correctly and on a timely basis.

Final Payment

Once your insurance company has paid, we will send you a statement requesting payment of the remaining balance.  A discount is available for promptly settling your account (See "Discounts" below).  If you cannot make payment in full within 30 days, please call us to explore other options for payment arrangements.

If You Are Without Insurance Coverage

We offer special discounts to the uninsured for prepayment or prompt payment of their bills (See "Discounts" below).  In the case of financial hardship, our Finance Specialists will assist in exploring all possible resources for medical assistance within the community, including Medicaid and other public programs as well as the hospital's Financial Assistance.

Clark Fork Valley Hospital will accept monthly payments after all other alternative methods of payments have been exhausted. Monthly payments are set according to the current approved payment schedule and personal financial information may be required to set appropriate payment arrangements.

Making Sense of Medical Bills

Understanding your hospital bill, medical charges and insurance benefits, charges, requirements, deductibles, and co-payments can be confusing. Please do not hesitate to ask if you have questions.

Prompt Pay Discounts

Insured Prompt Pay Discount

The hospital offers a 25% prepayment discount for payment of the estimated patient portion of the bill at the time of service.Note: Copays for Family Medicine Network (FMN) and Emergency Room visits are expected to be paid at the time of service and are not subject to discount.

The hospital will honor a prompt pay discount of 10% for payment in full of any self-pay balance within 30 days of billing of the patient portion

Uninsured Prompt Pay Discount

The hospital will honor a discount of 30% for payment in advance of the estimated charges for hospital and FMN services for which the patient has no insurance benefits. 

The hospital will honor a discount of 20% for payment within 30 days of billing for hospital and FMN services for which the patient has no insurance benefits.

Financial Assistance

Clark Fork Valley Hospital offers a Financial Assistance Program for those patients who are unable to satisfy their personal financial responsibility for healthcare services provided at the hospital. 

The Financial Assistance Application Form must be completed and submitted with income documentation, in the form of pay stubs and/or income tax returns.  All information on the application and support documentation is kept confidential and utilized only in the evaluation process. 

Financial Assistance is extended based on household size and provided for members of households qualifying at up to 250% of the Federal Poverty guidelines on a sliding scale. If a percentage discount is approved under the Financial Assistance Program, we do require a payment agreement on the remaining balance. 

We understand this process may be difficult to understand and our Financial Specialists are eager to assist you with the program application to help identify resources to satisfy your bills and answer any other questions you may have.

Hospice Financial Assistance

The Clark Fork Valley Hospital Hospice Program conducts fundraising activities throughout the year and utilizes those funds to assist patients who do not have insurance or other resources to pay for hospice services. Within the hospice program, we are committed to ensuring that every patient who wishes to take advantage of hospice end of life care may do so without regard for their ability to pay.

Contact Us

Finance Specialists
(406) 826-4962
(406) 826-4859


Billing Advocates
Last Name ending in A-K: (406) 826-4865
Last Name ending in L-Z: (406) 826-4829
Medicare Biller: (406) 826-4933