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Billing and Insurance

Accepted Insurance Carriers

The Department of Surgery at the University Specialty Clinics participates with most insurance carriers.  Insurance plans, coverages and contracts change frequently. It is your responsibility as the patient to verify that your insurance plan will cover medical services provided by a Department of Surgery physician.  Please contact your insurer to verify coverage. Additional information is available by calling (803) 545-5800.

Accepted Insurance Carriers
Aetna/USHC First Health PPC
Amerigroup Great West Premier
BCBSSC Health Care Savings Private Health Care Systems
Beech Street Kanawha Railroad Medicare
Care Improvement Plus Medcost SC Solutions MHN
Carolina Care Plan (PHP) Medicaid Select Health
Carolina Crescent Health Plan Medicare SouthCare
Choice Medical Multiplan Unison/Better Health
Cigna/Healthsource PGBA/Tricare United Health Care
Evolutions Physicians Care Network WellPath/Coventry

Professional Fees

The Department of Surgery shares in the growing concern over the cost of medical care. Our fees are in line with fees charged by other surgeons with similar training, expertise, and experience. Current economic factors are also considered in our fee structure and are not determined by any insurance company, medical society, or government agency. You are responsible to the Department of Surgery for the fees charged.

Billing and Payments

Here are some general policies for payment and billing for surgical procedures:

  • Payment for office visits and services is expected at the time of service.
  • Co-payments and deductibles will be collected at the time of check-in. The patient is responsible for deductible and coinsurance portions as provided by federal law.
  • We accept cash, personal checks, and most major credit cards for office services. Financial counseling services are available.
  • Any arrangement for delayed payment should be made in advance.
  • A deposit is usually required for certain procedures considered elective (non-life threatening conditions).
  • We allow 45 days grace period for your insurance company to process and pay assigned claims. Payment in full is expected by the patient after the grace period has elapsed.  Any balance resulting from underpayment by the insurance company must be paid by the patient.
  • In the case of patients involved in litigation for accidental injury, our policy is to hold the patient responsible for payment in full for those services.  If you have retained an attorney to represent you in litigation for these accidental injuries, your are still responsible for payment in full at the time of service.  Accident litigation can often take years to settle.  Please inform your legal counsel we cannot wait for settlement and letters of protection are not accepted by our practice.
  • Accidental injuries covered by Workers’ Compensation will be handled according to the laws of South Carolina.  Please make us aware of your claim at the onset of treatment and provide us details for managing payment through your Workers’ Compensation carrier.
  • Our patient accounts department will file insurance claims on your behalf for major surgical procedures; however, it is essential that you bring your insurance cards and other pertinent information with you such as insurance preauthorizations.
  • Please keep us informed of any change in your name, address, telephone number, or insurance coverage.
  • Patients that do not have insurance will be classified as self-pay and are expected to make arrangements to settle their accounts by either paying in full or speaking with a patient accounts representative to set up a payment plan.
  • Most insurance carriers now require prior approval for payment of services. Pre-authorization for services is not a guarantee of payment.
  • Please be familiar with the requirements of your policy before asking us to schedule your operative procedure.
  • We do accept assignment for Medicare claims.

Cosmetic Surgical Procedures

Cosmetic surgical services are payable 15 days prior to your scheduled surgery date.  We do not accept credit card payments for these surgical procedures.  You may pay for your procedure by cash, personal check, cashier's check, or certified money order.