Payment Policy

At Liberty Urgent Care , we strive to make your experience as smooth and convenient as possible. To ensure a seamless payment process, we have outlined our payment policies below.

Credit on File Policy and Authorization

Liberty Urgent Care requires that almost all patients provide a form of payment (“Card on File”) in case of further patient cost responsibility after insurance has paid their portion of the visit. This mandatory “Card on File” policy allows for smoother transactions and billing for our patients and will ensure that Liberty can collect for services rendered in a timely manner from all patients.

Most patients MUST leave a credit card on file at the time of visit in order for a patient to be seen.  The only exceptions to this policy are:

Patients experiencing a medical emergency

Patients with Pennsylvania Medicaid or Keystone First Insurance

School or Sports Physical, or DOT patients when your visit is paid in full at time of service.
Fee for service patients will be asked for a card in case of added costs not anticipated at check in such as Laboratory Studies or Durable Medical Equipment.

Our Card On File Procedure:

  1. Co-pays will still be collected at each visit (if applicable). We will submit all patient claims to insurance as usual.
  2. When the insurance claim is processed, the patient should receive an explanation of benefits (EOB), either in the mail or electronically from their insurer that outlines the patient responsibility for services rendered. We also receive a copy of the EOB from our patient’s insurer and will charge the card on file the amount indicated as patient responsibility for services rendered within 3-5 business days of receipt of that EOB.
  3. If there is no balance due as per the EOB, the card on file will not be charged.

Card On File Patient FAQ:

Why the new policy?

The healthcare insurance landscape is constantly shifting more towards a patient responsibility model. Our payment policy helps patients better manage these costs while improving your patient experience, allowing us to focus more on delivering exceptional patient care.

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

With HIPAA regulations and PCI compliance, we are under strict guidelines in terms of protecting patient privacy and credit card information. Your information is stored on a secure server and is protected along with your personal healthcare information. Our security meets all requirements under HIPAA and PCI. Nothing is stored locally. 

How much are you going to charge my card?

You will be charged the amount indicated on your EOB (less any payments made at the time of service including co-pays). If there is no outstanding balance after your insurance has paid, there will be no charge.

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 any time. Some insurance companies also have this information available online.

What happens if I do not have a credit card?

We also accept HSA, HRA, FSA, or Debit or Credit Card.

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. You can contact our billing department with any questions.

I’ve always paid my bills on time, 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 our patients. We recognize this is new, however we appreciate your understanding and cooperation.