Frequently Asked Questions

Q: Can I pay my bill online?
A: Yes, you can. Click here and follow the promps

Q: Do you take credit cards?
A: Yes we do. Credit or debit cards are required to make online bill payments.

Q: Will Heart of America Medical Center accept my insurance?
A: Heart of America providers accept reimbursement from most major insurance companies. To be sure, please contact one of our patient account representatives.

Q: Is there anything you can do to help me pay this bill?
A: We offer prompt payment discounts and you may be eligible for Community Care. Please contact one of our patient account representatives for more information.


Co-Payment: This is a fixed amount paid by you to your clinic/hospital at the time of service. Your co-payment amount is usually listed on your insurance card.  This amount is never covered by your insurance company and is not applied to your out-of-pocket co-insurance or deductible amounts. It is the expectation of your insurance company that this amount will be collected by the provider.

Deductible: This is a specific amount you must pay, after your co-payment, before your health insurance will pay any of the amount submitted. There is normally a deductible for each family member insured under your policy, with a maximum family deductible each year.

Co-Insurance: This aspect of your insurance will take effect after the co-payment has been paid and the deductible has been met. Your insurance will split the amount due, usually 80-20, with you. In an 80-20 split, your insurance pays 80% of the bill and you pay 20%. There is usually an out-of-pocket limit for co-insurance. Once you have reached your out-of-pocket maximum, your insurance will cover 100% of the costs thereafter until your new place year begins.

Self Pay: If you do not carry insurance, you will be responsible for full payment of your bill. Heart of America Medical Center does offer a Prompt Pay discount, if paid within 30 days of the first bill date. This does not include long term care services.

Financial Assistance (FAP) and Community Care Programs: If you meet financial requirements, you may be eligible for a discount of your financial costs. Community Care is based on income and applied on a sliding scale.  FAP is based on income only.