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PAYMENT POLICY

Medical services are provided and billed by Medical Clinic. Our providers participate in most all of the major health insurance plans in the region. Following are the health plans which we currently accept.

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If your plan is not listed, we will be unable to file a claim on your behalf and payment is expected at time of services rendered. However, we can provide you with a form that you can submit to your insurance company to instruct them to send reimbursements directly to you.

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If no insurance card is presented, payment is expected at time of services rendered.

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Please be aware that with any health plans, there may be deductibles and copayments for which you could be responsible.

HEALTH PLANS

  • Aetna (including Duke Select & Duke Basic)

  • Aetna CVS Health

  • AARP Medicare   

  • Assurant Health         

  • BCBS & Blue Home

  • Blue Medicare PPO

  • Cigna & Cigna Connect

  • Cigna Medicare Advantage

  • Wellpath Healthcare

  • First Health

  • Friday Health Plan

  • Gateway Health

  • Healthgram

  • Humana PPO

  • Medcost

  • Medicare

  • Multiplan

  • PHCS

  • Tricare Select & Reserve Select

  • Tricare for Life

  • UMR

  • United Healthcare

We do not accept HMO insurances that requires a referral from a PCP.

PAYMENTS WE ACCEPT

North Carolina Dermatology Associates requires payment or co-payments at the time of services rendered.

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We accept:​

  • Cash

  • Check

  • Visa​

  • Mastercard

  • Discover

  • American Express

CareCredit®

We’re pleased to offer our patients the CareCredit® card, North America's leading patient payment program. The CareCredit® card is just as easy to use as a regular credit card, but it’s designed specifically for your health and beauty needs. Best of all, CareCredit® offers convenient payment plans and no hidden costs. 

QUESTIONS ABOUT YOUR BILL

What billing or insurance information will I receive?

​You will receive a copy of your bill. After your insurance has paid, we'll provide you with a monthly statement of your account.

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How long will it take to get things settled with the insurance company?

Generally, it takes from 45 to 60 days to obtain payment from an insurance carrier.​

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​Why am I getting bills from physicians?

​Each physician who provides professional services will send you a separate bill from his or her office. These physicians will include:

  • your own physician

  • other physicians who conducted tests and procedure

  • consulting physicians chosen by our physician to read, interpret test results and provide further care

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​I received a notice that my insurance company has paid on my bill -- but I can't understand how they calculated their payment amount. Do you know?

​If we have received any such information from your insurance company, we'll be glad to share it with you. However, for answers to any questions about insurance payments, deductibles, or co-payments, you generally need to check with your insurance company.

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What is a deductible?

A deductible is the amount you pay for health care services before your health insurance begins to pay.

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What is coinsurance?

Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the total charge for the service. You pay coinsurance plus any deductibles you still owe.

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What is a co-pay?

A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. You may also have a copay when you get a prescription filled.

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