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Billing & insurance

Billing

In order to serve you better, a copy of your insurance card is needed at each visit. All insurance co-payments and deductibles are due at the time of service. We will gladly file your charges with your insurance carrier. If payment has not been received within 45 days of filing, the patient will be notified and asked to contact their insurance company. Billing questions may be directed to our Central Business office. Their number is 704-384-7840 or 866-666-1279. They will be happy to assist you.

Billing for tests

Lab tests are preformed and billed by our reference lab, LapCorp. BIlling questions should be directed to LapCorp.

Insurance plans

We participate with most all of the major insurance plans. Below is a list of Novant Health's accepted insurances. Please also feel free to contact your insurance carrier to confirm that Carmel OBGYN's physicians are providers for your plan.

Medicare coverage

We are participating physicians for Medicare. We accept assignment and will be happy to file your claims to Medicare.

ABN waivers

Medicare may not cover all your services. For example, your annual pelvic, breast and pap tests are only covered every other year. In some cases you may be asked to sign a Medicare ABN waiver stating the possibility of non-coverage was explained and that you are aware you may be billed for the test.

Accepted insurance

The following list represents commercial health insurance and Medicaid plans accepted:

The list below contains most, but not all, of the managed care organizations administering health plans accepted by Novant Health clinics. Please contact your health plan's administrator if you have questions about where you can receive care.

Note: Not ALL NMG providers participate in all plans. Please verify provider participation in your health care benefit plan when you contact the clinic for an appointment.

Managed care plans

Carrier

Type of plan

Aetna
HMO, POS, PPO
Aetna Behavioral Health
(Psychiatric Providers Only)
Behavioral Health
Anthem BCBS
(Virginia Practices Only)
HMO, POS, PPO
BCBS for NC Teachers and State Employees
(NC Practices Only)

BCBS for SC Teachers and State Employees
(SC Practices Only)

Beech Street
(Women's Care - Charlotte Locations Only)
PPO
Blue Choice of South Carolina
(SC Practices Only)
HMO
Blue Cross Blue Shield of North Carolina
(NC Practices Only)
HMO, POS, PPO
Blue Cross Blue Shield of South Carolina
(SC Practices Only)
POS, PPO
CareFirst BCBS
(Virginia Practices Only)
HMO, POS, PPO
Carolina Behavioral Health Alliance
(Psychiatric Providers Only)
Behavioral Health
Cigna Behavioral Health
(Psychiatric Providers Only)
Behavioral Health
CIGNA Healthcare
HMO, POS, PPO
Duke University Self Insured/Duke Select -thru WellPath
(Durham Internal Medicine Only)
Employer Specific
First Health
PPO
Great West
POS, PPO
Healthgram (formerly Primary Physician Care)
PPO
HUMANA National POS - Open Access -aka Kanawha Benefit
Solutions

POS, PPO
Kaiser Permanente
(NICS Prince William Only)
HMO, POS, PPO
Magellan Behavioral Health
(Psychiatric Providers Only)
Behavioral Health
MedCost
PPO
MultiPlan, Inc
PPO
NC Health Choice

PHCS
PPO
Provider Select, Inc.
PPO
SC State Health Plan
(SC Practices Only)

Three Rivers Provider Network
PPO
Tyson Preferred Network for Tyson Foods
PPO
United HealthCare
HMO, POS, PPO
WellPath -also known as Coventry
HMO, POS, PPO

Workers compensation

Novant Medical Group urgent care and some orthopaedic locations accept many workers compensation insurance carriers, and will bill your employer's carrier after treatment of your on-the-job injury.

Some workers compensation insurance carriers provider "designated" physician and hospital networks for the treatment of work-related injuries. Your Employer should let you know if these designated workers compensation networks pertain to you.

Government programs

Carrier

Type of plan

Carolina Access
Government
Carolina Access II
Government
Medicare -all States
Government
Railroad Medicare
Government
SC Medicaid
(Greater Charlotte, South Carolina & Coastal Practices Only)
Government
Tricare Prime
(North Carolina & Virginia Clinics Only)
Government
Tricare Reserve Select -TRS
Government
Tricare Standard -formerly Champus
Government
VA Medicaid
(Greater Winston, Triangle & Virginia Practices Only)
Government

Medicare replacement plans

Carrier

Type of plan

Aetna Medicare HMO/PPO
Medicare HMO, PPO
Aetna Medicare Open Plus
Medicare PFFS
Blue Medicare HMO Enhanced -North Carolina
(NC Practices Only)
Medicare HMO, PPO
Blue Medicare HMO Medical -North Carolina
(NC Practices Only)
Medicare HMO, PPO
Blue Medicare HMO Standard -North Carolina
(NC Practices Only)
Medicare HMO, PPO
Blue Medicare PPO Enhanced -North Carolina
(NC Practices Only)
Medicare HMO, PPO
Blue Medicare PPO Enhanced Freedom -North Carolina
(NC Practices Only)
Medicare HMO, PPO
Cigna Healthspring
Medicare HMO
Humana Medicare
Medicare HMO, PPO, PFFS
Today's Options
Medicare PFFS
Today's Options Value/Premier
Medicare HMO, PPO
UHC Medicare Solutions (formerly AARP Medicare Complete/Essential or EverCare)
Medicare HMO, PPO

Medicaid HMO plans

Some of our South Carolina practices accept the following Medicaid HMO plans; please contact the practice to confirm your plan is accepted.

Carrier

Type of plan

Absolute Total Care
Medicaid HMO
Advicare (formerly Palmetto Physician Care)
Medicaid HMO
Molina Healthcare (formerly South Carolina Solutions)
Medicaid HMO
Select Health - First Choice
Medicaid HMO

Request appointment
Call for an appointment Charlotte 704-316-2021 Monroe 704-316-2146

Location

Hours

Monday to Friday
8:30 a.m. to 5 p.m.