How to pay for your urgent care visit
CareNow Urgent Care wants to make the billing process as easy as possible for our patients. As a patient, you have the right to review your bill regardless of your ability to pay it. We can provide information to you about any available financial resources. If you do not have health insurance, CareNow Urgent Care clinics offer self-pay rates for treatment.
Making it easy to pay your bill
At the time of your visit, we require all patients to pay their applicable patient responsibility (copay, deductible and/or coinsurance). With limited exceptions, we request that patients either provide a payment card on file or make a $100 minimum deposit to ensure smooth transactions and efficient billing practices. This card will only be used if there is additional payment owed after we have billed your insurance.
Pricing transparency
When you register, we will provide a payment notification with our best estimate of your total cost of services to provide transparency to our patients.
How our billing process works with insurance:
- The payment card on file will only be charged if there is an additional payment owed beyond the balance collected at the time of service and after insurance has been billed.
- In no event will the card be charged more than $180 per visit. Any additional patient responsibility above $180 per visit will be billed separately.
- We send a notification via email 10 days prior to submitting any additional charges to the payment card on file. It is very important to provide a valid email address at registration to receive these email notifications. After we send the notification email about submitting any additional charges to your payment card on file, patients may contact us if they choose to submit payment in a different form. Patients can call our billing department at 844.422.3627 from 7:30 a.m. to 6 p.m. CST with any questions.
- If insurance pays the claim in full, the payment card on file will not be charged, and no billing statements will be sent.
- A self-pay patient is still required to pay the minimum tiered pricing prior to services being provided. View additional details on self-pay pricing.
You can reach out to our billing team at (844) 422-3627 from 7:30am - 6:00pm CST, with any questions or review FAQs below:
Pay your bill online
CareNow Urgent Care also offers online bill pay. It's convenient, fast and easy to use. After registering and logging into our secure and confidential portal, you will be able to review your bill, find the remaining balance and make a payment. We accept Visa, MasterCard, Discover and American Express. Payments are normally processed within 24 hours.
Bill pay questions
If you have questions about your medical bill, please call (844) 422-3627. Our friendly customer service team will be happy to assist you from 7:30am - 6:00pm CST.
Billing insurance providers
CareNow Urgent Care accepts most major health insurance plans, and will directly bill your insurance provider for services provided at our clinics by our healthcare professionals. Our clinic staff will verify your health insurance coverage before or during your visit. Most health insurance plans require a co-payment at the time of service.
After making contact with your insurance company, we will send you a bill with the remaining balance. If you have questions about your insurance plan, please contact your insurance provider.
Uninsured payment options
If you do not have health insurance, CareNow Urgent Care will provide a reasonable estimate of your healthcare charges before treatment as well as self-pay pricing. We can also provide uninsured patients with information regarding any discount or charity policies that may be available.
Frequently Asked Billing Questions
What is your bill pay policy?
During the registration process, we will ask you to sign a Payment Card on File Agreement. After our office receives remittance advice/information from your insurance company (typically in two to four weeks after your visit), any remaining balance will be charged to your payment card. We will notify you via email 10 days before we submit the charge to your payment card on file. You may call our office if this presents a problem or hardship for you, or if you would like to pay with a different card. You will receive an emailed receipt after the payment has been processed. If the payment transaction is declined by your card, we will mail a billing statement to you, requesting an alternative form of payment.
Exceptions to Payment Card on File Policy
Our Payment Card on File policy does not apply to the patients listed below:
- Patients experiencing a medical emergency
- Medicare or Medicaid or dual coverage patients (Traditional or Managed Care)
- Veterans' Administration/Tri-Care patients
- Occupational Medicine patients (Workers compensation & Employer-paid services)
- Cash-based services when the visit is paid in full at the time of service (i.e., DOT/school & sports physicals, flu shots, forms review, etc.)
- A patient paying cash in full at the time of service
- Telehealth services patients (unless the virtual visit resulted in an in-clinic visit)
- HCA Healthcare employees and beneficiaries who have HCA Healthcare insurance
- Healthy Savings patients
Copays and deductibles
Copays, deductibles and coinsurance will be collected at each visit (if applicable). All patient claims will be submitted to insurance. If a patient elects not to provide a payment card on file, they will be charged a minimum $100 deposit inclusive of copay, coinsurance and deductible. Any amount collected at time of service that is greater than the final patient responsibility will be refunded after the insurance carrier confirms final patient responsibility.
Why do you save my card information?
Our payment policy helps patients better manage visit-related costs and simplifies the patient experience, allowing us to focus on delivering exceptional patient care. The process will reduce the amount of statements mailed to patients.
How can I trust that you will keep my card safe?
We abide by national payment card compliance standards and the product is HITRUST CSF Certified. The HITRUST security and privacy framework leverages nationally and internationally accepted security and privacy-related regulations, standards, and frameworks. The payment card merchant services processor providers our system an encrypted token that references your card. Our system only has access to the encrypted token. You authorize that access when you sign our authorization form. We do not keep any payment card information on file in our office or on any of our computers.
How much are you going to charge my card?
You will be charged the amount indicated on your explanation of benefits (EOB), less any payments made at the time of service including copays, to a maximum of $180 per visit. Any additional patient responsibility will be billed separately. In no event will we charge your card more than $180.
What payment cards do you accept?
We accept all major credit cards, debit cards, and HSA, HRA, and FSA cards.
What if I need to dispute my bill?
We will always work with you to determine if there has been a mistake on your bill, and we will refund you if we have made an error. You can contact our billing department at (844) 422-3627 from 7:30am - 6:00pm CST with any questions.
I've always paid my bills on time. Why do I have to give you a payment card?
Due to the complexities of the current healthcare billing practices, we have elected (as has much of the healthcare industry) to take this approach to simplify the process for both our patients and staff.
What are my alternatives if I do not want to place a card on file?
If you do not fall into one of our noted exceptions, we will collect a minimum of $100 through a combination of copays, deductibles, coinsurance and/or deposit at the time of service. After your claim is fully processed, if a refund is due, you will be reimbursed by our billing office.
Why do I have to swipe my card with each visit?
While a payment card can be saved to a patient account until it either expires, it declines or you change your payment card on file, we ask that patients swipe, insert or tap their card for each visit. Swiping, inserting or tapping your card each visit ensures our clinics can timely associate your payment to the proper clinic and patient account.
What if I don't have insurance?
If you do not have insurance, you will be eligible for our self-pay pricing posted on our website. You will be requested to place your card on file noting the exception to paying cash in full at the time of service. You will be required to pay the minimum tiered pricing prior to receiving services.
I have insurance and know my copay. I will pay that and if I owe more after the insurance is processed, then you can bill me. I will NOT participate in credit card on file. Can I be seen?
Yes, but we will collect a minimum deposit of $100. This balance protects us in the event your insurance carrier determines that the patient's responsibility is greater than the amount of the copay after we provide care.