Credit Card On File Payment Policy

Dear Valued Patient

Armistice Urgent Care is always seeking ways to improve our efficiency and service. Recently we have instituted a new “credit card on file” system to allow smoother transactions and billing for your visits. Here is an overview of how it will work:

There are only a few simple steps to sign up. At your visit we will take your credit card info, pre-authorize and save the card on file. Your credit card information will be safely held on a secure, encrypted gateway site. No financial information will be available to our staff, held in our system, or at our office.

Co-pays wil still be collected at each visit and can be paid in any manner you choose at that time. If your insurance is accepted by Armistice Urgent Care, we will submit your clam as usual. When your claim is processed you should receive an explanation of benefits (EOB) from your insurer that outlines what part of your service has been covered by your insurance and indicates exactly how much remains your responsibility to pay AUC for services rendered. AUC also receives a copy of your EOB from your insurer and will charge your credit card on file with the amount due as indicated within 7-10 business days of receipt. IF THERE IS NO BALANCE DUE, YOUR CARD WILL NOT BE CHARGED. A statement will be mailed to the address provided.

Due to significant increases in deductibles across all plans, we have found it necessary to implement this policy.


Why the new policy?

More deductible plans and higher co-pays have made it necessary to create a new company payment policy for credit cards on file.

How can I trust that you will keep my credit card safe?

We do not keep any credit card, debit card, or HSA/FSA card information on file in our office, or on any of our computers. We us a secure gateway that is completely compliant as required by law.

How much are you going to charge my card?

Your card will only be charged if your insurance Company does not cover the full amount of your visit. Your insurance company tells us what your responsibility is and what you will be charged.

What is a deductible and how does it affect me?

An annual deductible is the dollar amount you must pay out of pocket during the year for medical expenses before your insurance coverage begins. For example, if your policy has a $500 deductible, you must pay the first $500 of medical expenses before your insurance company begins to pay for any services.

How will I know if my deductible has been met?

You may find out when your deductible is met by calling your insurance company at anytime. Some insurance companies also have this information available online.

What happens if I do not have a credit card?

We also accept Debit or HSA cards.

What happens 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 a billing error. We will only charge you the amount that we are instructed to by your insurance carrier in your EOB.

I’ve always paid my bills on time, why why do I have to give you a credit card?

Due to the complexities of the current healthcare laws, we take this approach with all of our patients.

I have double coverage and never have a charge, do I still need to give you a credit card?

Even with double coverage, there are often times a patient still has some responsibility. Please keep in mind, we will not charge your card if you do not owe anything.

Who can I speak to about this policy?

We would be happy to discuss the credit card on file program with you. Please contact our billing office at 401-725-4100 ext 5.