Insurance & Payment

FAMILY MEDICAL CARE OF SMITHFIELD physicians participate with most major insurance carriers. As a service to our patients, our staff will complete the necesary insurance claim forms for plans in which payment is assigned directly to FAMILY MEDICAL CARE OF SMITHFIELD. For insurance plans whose benefits are not assigned to the practice, we will provide you with the appropriate information to assist you in filing for reimbursement.

Please present your current insurance card at each visit so that we may process timely claims on your behalf. Most insurance carriers require patients to pay a deductible or co-payment for their medical care. Managed care plans generally require the practice to collect the co-payment prior to services being rendered. If you are uncertain about the amount of these required payments, please review your insurance policy and coverage agreement prior to your appointment.

All co-payments are due at the time of service and will be collected at check-in. Self-Pay patients must pay in full on the date of service. We require a credit /HSA/FSA card (NO CHECKING/ BANKING CARDS) on file in order to collect deductibles and co-insurances after we receive your explanation of benefits from your insurance. Your insurance company is required to send you an explanation of Benefits (EOB) which will indicate any remaining patient balance due. Your card on file will be charged for any remaining amount designated as patient responsibility after processing the payment made by your insurance. Please contact our office upon receipt of your EOB if you feel there is an error in the amount of patient responsibility. If you cannot leave a card on file, we will request a $200.00 credit deposit by cash or check. Patient balances are due immediately after receiving the EOB and are not contingent upon receiving a statement from our office. Accounts requiring a mailed statement will be charged a $10.00 administration fee per month.

Your insurance carrier may determine that a service provided to you is considered to be “non-covered,” because in their opinion, the service was not essential to the diagnosis and treatment of your illness. We will make appeals to your insurance company for coverage as deemed appropriate, but if denied you may be responsible for the balance.

Please remember that your insurance is a contract between you and your carrier, and that you are ultimately responsible for the payment for all services provided to you. If you have any concerns about your insurance, contact your carrier.

For your convenience, we accept cash, checks, money orders, VISA, MasterCard, and Care Credit. Please advise us of any changes in your name, address, telephone number or insurance carrier.