Patient Financial Responsibility

Medical Bills can be confusing when it comes to the amount a patient will need to pay out of pocket. The healthcare industry calls this amount, Patient Financial Responsibility. Patient Financial Responsibility charges include co-pays and any charges that are not covered by insurance.

Credit Card On File

At time of service, we ask patients with insurance to pay their co-pay as well as provide a credit card on file.  This card will only be used if there is additional payment owed after we have billed your insurance. The credit card  information is stored securely, and patients will receive advance notification via email if and when the card will be charged.  The card on file will only be charged up to $150.  If a patient responsibility exceeds the $150, other arrangements can be made for the remaining balance.

  • Example 1: Co-pay & No additional Patient Responsibility

    Co-pay: (at time of service)  $50

    Charges:   $175

    Insurance Payment:   $175

    Additional Patient Responsibility:   $0

    To be charge to card on file:  $0

  • Example 2: Co-pay & additional Patient Responsibility <$150

    Co-pay: (at time of service)  $50

    Charges:   $175

    Insurance Payment:   $150

    Additional Patient Responsibility:   $25

    To be charge to card on file:  $25

  • Example 3: Co-pay & additional Patient Responsibility >$150

    Co-Pay (at time of service)   $50

    Charges:   $350

    Insurance Payment:   $150

    Patient Responsibility:   $200

    To be charge to card on file:  $150

    Balance to be billed:  $50

Cash Deposit

If a patient does not have a credit card on file, Texas MedClinic will accept a $150 cash deposit. Within 90 days of receiving notification from your insurance company of the payment status of the claim , either a refund will be issued to the patient or a bill will be sent for any outstanding balance.

  • Example 1: Co-pay & No additional Patient Responsibility

    Co-pay: (at time of service)  $50

    Cash deposit: (at time of service)  $150

    Charges:   $175

    Insurance Payment:   $175

    Additional Patient Responsibility:   $0

    Amount to be refunded:  $150

  • Example 2: Co-pay & additional Patient Responsibility <$150

    Co-pay: (at time of service)  $50

    Cash deposit: (at time of service  $150

    Charges:   $175

    Insurance Payment:   $150

    Additional Patient Responsibility:   $25

    Amount to be refunded:  $125

  • Example 3: Co-pay & additional Patient Responsibility >$150

    Co-Pay (at time of service)   $50

    Cash deposit: (at time of service)  $150

    Charges:   $350

    Insurance Payment:   $150

    Patient Responsibility:   $200

    Deposit applied:   $150

    Balance to be billed:   $50

FAQs

Convenience. We know our patients appreciate the convenience of paying with Credit, Debit, Flexible Savings Accounts and Health Care Savings Accounts. Also, having a card on file simplifies the collection process on our team and our patients. We will take your card at the time of your visit and notify you about charges due after insurance payments are applied.

We will automatically submit your medical claim to your health insurance company. Based on your plan and the insurance payments, any Patient Financial Responsibility will be determined. If there is any Patient Financial Responsibility, we will send you an email 10 days prior to charging your credit card on file up to $150. Any Patient Financial Responsibility above $150 will be billed.

If you owe any balance after your insurance pays, we will send you an email notification 10 days before your card is charged. The timing of this communication depends on how fast we hear back from your insurance company. It usually happens within 30 days of your visit, but it could take up to 90 days.

Yes. Your card number is stored securely by First Data, the largest credit card processing company in America.

Within 90 days of receiving notification from the insurance company of the payment status of the claim, a refund will be issued to the patient if one is due.

Urgent Care Online Check-In with Texas MedClinic

Dr. Weaver and the staff here are excellent, professional and compassionate. They take the time to explain things to you and how it relates to your issue. In and out in about an hour, not bad!

- Jeff M.
Loop 1604 / Bandera Clinic
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