Carolinas HealthCare System

As the way you get healthcare continues to change, so does the process of collecting payment. It is our policy at Carolinas HealthCare System to collect payment at each visit, and we want to help take the confusion out of paying your medical bill. However, we will assist you with your medical expenses if you don’t have any medical coverage. You’ll find some key points below to help you consider your payment options.

Patients without health insurance:

  • Are eligible to receive a 30 percent discount for services (exceptions may apply).
  • Must pay at least $50 at the time of visit.
  • Can be billed for balances more than $50, or pay in full at the time of the visit.
  • Can take advantage of interest-free payment plans.  
     

Patients with health insurance:

  • Must pay all copays when they check in. You cannot be billed for copays.
  • Will be responsible for any deductibles on the day of the visit (minimum of $50).
  • Can be billed for balances more than $50, or pay in full at the time of the visit.
  • Can take advantage of interest-free payment plans. 

Payment Plans

Payment options will not change for patients who are eligible for assistance through the Clinic Sliding Scale Program. If you need help paying your bill, there are several options available to you. To learn more, call 704-512-4808.

Health Insurance Terms to Know

Copay and co-insurance: These are two different ways to pay for medical care. You pay your share, and your health insurance pays the rest.

  • Co-insurance: a percentage of your medical bill that is shared by you and your insurance company after your deductible has been met.
  • Copay: a predetermined fee you pay for health care services in addition to what’s covered by insurance. Not every type of health insurance plan requires a copay.

Deductible: The amount you have to spend on your medical care each year before your health insurance plan starts helping you pay.

Health Insurance Marketplace: The Health Insurance Marketplace is a resource for individuals and families to shop for and enroll in a health insurance plan. It also provides information on programs that can help people pay for coverage.

Network: A group of doctors and hospitals that participate in the same health insurance plan. You pay lower out-of-pocket costs if you go to doctors and hospitals that belong to your plan’s network. 

Open Enrollment: The period of time that qualified individuals can sign up for a health insurance plan or switch to a new plan. 

Out-of-pocket Costs: Your total expenses for medical care that are not paid by your health insurance plan.

Policy: Contract between you and your insurance company that provides specific coverage details for the health plan you selected. 

Premium: The amount you pay each month to keep your health insurance plan active. 

Uninsured: This means you are not covered by health insurance and your medical bills will be your financial responsibility. 

Frequently Asked Questions

Here are some common questions to help you understand your payment responsibilities. 

I have health insurance. What will I have to pay at the doctor’s office?
You may be responsible for a copay, co-insurance or deductible before you see the doctor.

Can you bill me for my copay or deductible amount?
Copays and deductibles are expected to be paid at the time of service.

What if I’ve met my deductible – do I have to pay anything?
We will not take a payment from if you have met your deductible.

Are there other payments I have to make when I visit the doctor?
Depending on your insurance plan, you may have a copay and/or a deductible.

Can you bill me for my deductible?
Usually not. Any payment collected during registration (either $50 or $100) will go toward your deductible and applies to the total cost of the visit.

What if I have an outstanding balance on record for medical bills? Can I still see the doctor?
Yes, but you will have to pay any copay or deductible, according to your health insurance plan.

I do not have health insurance. Can I still see the doctor?
Yes, you may still see the doctor. In fact, most patients without health insurance are eligible to receive a 30 percent discount.

If I do not have health insurance, what do I have to pay the day of my doctor visit?
We ask that you pay at least $50, which will be applied to your discounted total. Exceptions apply.

Can I get assistance paying my bill?
Yes. Interest-free payment plans are available for bills more than $50. For help, call our billing office at 704-512-4808.

Who can help me figure out how much I owe?
Our billing office can help. Just call 704-512-4808.

Who can help me understand my insurance policy better and what I may be expected to pay when I go to the doctor?
Use the contact number on your card to contact your insurance provider.

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