Patient Financial Policy

Thank you for choosing Mountain Area Health Education Center (MAHEC) Divisions of Family Medicine and OB-GYN as your health care provider. We are committed to building a successful physician-patient relationship with you and your family. Your clear understanding of our patients' financial responsibility is important to our professional relationship. Please understand that payment for services is a part of that relationship. Please ask if you have any questions about our fees, our policies, or your responsibilities. It is your responsibility to notify our office of any patient information changes (i.e. address, name, insurance information, etc).

The patient is expected to present an insurance card at each visit. All co-payments and past due balances are due at time of check-in unless previous arrangements have been made with a Financial Counselor. We accept cash, check, money orders or credit cards. Absolutely no post-dated checks will be accepted.

Insurance Claims
Insurance is a contract between you and your insurance company. In most cases, we are NOT a party of this contract. We will bill your primary insurance company as a courtesy to you. In order to properly bill your insurance company, we require that you disclose all insurance information including primary and secondary insurance, as well as, any change of insurance information. Failure to provide complete insurance information may result in patient responsibility for the entire bill. Although we may estimate what your insurance company may pay, it is the insurance company that makes the final determination of your eligibility and benefits. If your insurance company is not contracted with us, you agree to pay any portion of the charges not covered by insurance, including but not limited to those charges above the usual and customary allowance. If we are out of network for your insurance company and your insurance pays you directly, you are responsible for payment and agree to forward the payment to us immediately.

Participating Insurance Companies
Blue Cross/Blue Shield
United Health Care
Humana (Family Medicine only)
Medicare, including replacement policies

Self-pay Accounts
Self-pay accounts are patients without insurance coverage or patients without a current insurance card on file with us. It is always the patient’s responsibility to know if our office is participating with their plan. If there is a discrepancy with information provided to us by the patient, the patient will be considered self-pay until the correct information is provided. Self-pay patients will be required to make payment arrangements for their balance. Self-pay patients will receive a 35% discount and an additional 5% prompt pay discount if payment in full is made on the day of their visit.  Extended payment arrangements are available if needed. Please ask to speak with a Financial Counselor to discuss a mutually agreeable payment plan.

Workers' Compensation and Automobile Accidents
Our Health Centers provide treatment for established patients for both work-related injuries and automobile accidents. The patient is responsible for providing us with timely billing information for treatment of these injuries. For the first visit for a work-related injury, we must have the name and phone number for your employer so that we can contact them to get approval for treatment. For treatment for an automobile accident injury, we understand you may not have complete insurance information at the time of your first visit. However, it is the patient’s responsibility to provide this information to us as soon as possible. Without this information, the patient will be responsible for the charges.

Missed Appointments
If you need to cancel an appointment, we ask for at least a 24-hour notice. This allows us to offer the appointment to another patient. If you fail to keep your appointments without letting us know in advance, you may be discharged from the practice so that we can provide care to other patients.

Returned Checks
The charge for a returned check is $25.00 payable by cash or money order. This will be applied to your account in addition to the insufficient funds amount. You may be placed on a cash only basis following any returned check.

Medical Record Copies
A nominal fee, as recommended by North Carolina State Statute, may be charged for copies of medical records. Please call (828)771-5406 at OB/GYN or (828)771-3410 at Family Medicine if you need this service.

The parent(s) or guardian(s) are responsible for full payment.

Outstanding Balance Policy
Payment in full is expected on receipt of your billing statement. The statement will reflect the amount you owe after your insurance, if any, has processed your claim. If no resolution can be made within thirty (30) calendar days, the account will be sent to the collection agency and discharge from the practice may be initiated.

National Health Services Corps
As a National Health Services Corps site, no one will be denied access to services at our office due to inability to pay.  In addition, we offer discounts based on family size and income to those who qualify.

This financial policy helps the office provide quality care to our patients. If you have any questions or need clarification of any of the above policies, please contact our Patient Billing Department at (828) 257-4725.