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Paying for Medical Care

Carolinas HealthCare System understands that healthcare costs can be expensive and often unexpected. Our mission is to create and operate a comprehensive system to provide healthcare and related services for the benefit of the people we serve.

We accept and file claims for:

When a patient needs medical care, but does not have insurance coverage, Carolinas HealthCare System offers multiple payment plans to fit a patient's financial needs.

Services we provide:

Insurance Claims Filing
Insurance claims are submitted when complete and accurate information is received. Insurance claim filing is performed as a courtesy service for patients - submitting your insurance claims is not a guarantee of payment from your insurance carrier.

Please present a current insurance card when registering and checking in for services. The information on the card is important for correct identification of insurance benefits. It is important that we receive your insurance information quickly, as most insurance companies have a filing deadline that must be met in order for your benefits to be paid.

Patients with Commercial or Managed Care coverage are responsible for paying co-pays, deductibles and fees for non-covered services at the time of service. Please review your insurance policy for information regarding levels of coverage and non-covered services. If you have questions about coverage, contact your employer or insurance company.

Worker's Compensation
If you are hurt as a result of an injury on the job, Carolinas HealthCare System will bill your employer or your employer's Worker's Compensation carrier. In cases where Worker's Compensation denies the claim or the services you received encompass work-related as well as non work-related healthcare services, your health insurance information will be needed.

Medicare
Carolinas HealthCare System will submit Medicare claims for patients; however, patients are responsible for deductibles, co-insurance and amounts not covered by Medicare. If you have Medicare Part A, Medicare will cover services for inpatient hospitalization care. If you have Medicare Part B, Medicare will cover services for outpatient and medical (physician) services. Coverage will be identified on your red, white and blue Medicare card.

Patient Financial Services submits insurance claims for Medicare supplemental insurance when accurate and complete information has been provided.

Medicaid
Carolinas HealthCare System will submit claims to Medicaid if you have presented a current card or verification has been obtained through the Department of Social Services. You may be responsible for a portion of the charges if Medicaid has determined that a co-pay is due.

Long-Term Payment Arrangements
Some patients are unable to pay balances in full and need extended time to pay for services. Carolinas HealthCare System has a business partner who offers long-term financing options to assist in these situations. They establish affordable payment arrangements without a credit check and without a lengthy application. All patients qualify by agreeing to accept the terms of this payment program.

Please contact Customer Service at 704-512-7000 to establish a payment arrangement. Sending a partial payment does not establish a formal payment plan.

Financial Counseling
Carolinas HealthCare System has several ways to assist patients who do not have insurance or cannot pay their deductible or co-payment at the time of service. We offer a healthcare credit card through a business partner, which allows monthly payments on account balances. For patients who are financially unable to pay, Financial Counselors are on staff to assist with eligibility for Medicaid, Mecklenburg County Indigent Funds (Mecklenburg County Residents only) and our Uninsured/Charity Care program. Patients are required to provide financial information to qualify for these programs in accordance with the current federal poverty guidelines. For more information, please contact Customer Service at 704-512-7000.

Credit and Collection Practices
Insurance claims are submitted within days of service to Medicare, Medicaid, Commercial, Managed Care, Liability and other carriers.

Patients who have the ability to pay are expected to pay any known co-pays, deductibles and non-covered amounts when services are received. All requests for payments are based upon estimated amounts and are not considered final billing totals. A statement of any remaining balance will be sent once your insurance company has paid or denied your claim. The balance is due and payable upon receipt of your statement. Insurance claims are submitted as a courtesy service and do not relieve patients of financial obligations.

If a patient's account(s) become past due, Carolinas HealthCare System may pursue outside collection activity, including legal action, if necessary.

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