Insurance & Payment Options
We accept most major insurance plans and offer flexible payment options to make your surgical care affordable and accessible.
We're Here to Help Navigate Your Coverage
Understanding insurance coverage can be confusing—especially when facing surgery. At Walters Surgical Associates, our experienced billing team works directly with your insurance company to verify coverage, maximize your benefits, and minimize your out-of-pocket costs.
We participate with most major insurance plans, including Medicare and Medicaid, and we're committed to making your care as affordable as possible. If you have questions about coverage or costs, we're here to help.
Don't let insurance concerns delay necessary surgical care. Call our billing team at (910) 642-3214 and we'll verify your coverage before your appointment.
Insurance Plans We Accept
Government Programs
✓ Medicare (all parts)
✓ Medicaid
✓ Medicare Advantage plans
✓ Medicare Supplement plans
✓ NC Health Choice
Major Insurance Carriers
✓ Blue Cross Blue Shield
✓ Aetna
✓ Cigna
✓ UnitedHealthcare
✓ Humana
✓ And many more
Other Coverage
✓ Workers' Compensation
✓ Auto accident insurance
✓ Personal injury claims
✓ Self-pay options
✓ Payment plans available
Don't see your insurance listed? We participate with many additional plans. Call us at (910) 642-3214 to verify your specific coverage.
Understanding Your Insurance Coverage
Co-Payment
A fixed amount you pay at each visit (e.g., $20 or $50). This is typically due at the time of your appointment and varies by insurance plan.
Deductible
The amount you must pay out-of-pocket before your insurance begins covering costs. Deductibles reset annually and vary widely by plan.
Coinsurance
The percentage of costs you pay after meeting your deductible (e.g., you pay 20%, insurance pays 80%). Applies to most surgical procedures.
Out-of-Pocket Maximum
The most you'll pay in a year for covered services. Once you reach this limit, your insurance pays 100% of covered costs for the rest of the year.
How We Verify Your Coverage
Before your appointment, our billing team contacts your insurance company to verify your coverage and determine your financial responsibility. Here's what we do for you:
Verify active coverage — Confirm your insurance is active and covers surgical services
Check for referral requirements — Determine if you need a referral from your primary care physician
Confirm deductible status — Find out how much of your deductible you've met for the year
Calculate your costs — Estimate your co-payment, coinsurance, or out-of-pocket expenses
Obtain pre-authorization — Secure approval from your insurance company before surgery (if required)
Explain your financial responsibility — Clearly communicate what you'll owe before, during, and after treatment
We handle the insurance paperwork so you can focus on your health. Our goal is to maximize your benefits and minimize surprise bills.
Payment Options
Accepted Payment Methods
We accept cash, checks, Visa, MasterCard, Discover, and American Express. Payment is due at the time of service unless other arrangements have been made.
Payment Plans
For larger surgical expenses, we offer flexible payment plans with no interest. Discuss your situation with our billing team to create a plan that fits your budget.
Self-Pay Discounts
If you don't have insurance or prefer to pay out-of-pocket, we offer discounted self-pay rates. Ask our billing team about self-pay pricing for your procedure.
Financial Assistance & Hardship
We believe everyone deserves access to quality surgical care, regardless of their financial situation. If you're experiencing financial hardship or have concerns about affording your care, please speak with our billing team.
We offer several options to help make your care affordable:
✓ Interest-free payment plans
spread costs over manageable monthly installments
✓ Self-pay discounts
for patients without insurance coverage
✓ Financial counseling
to explore all available assistance programs
✓ Flexible arrangements
based on your individual circumstances
Don't delay necessary surgery due to cost concerns. Call our billing department at (910) 642-3214 to discuss your options. All conversations are confidential, and we're committed to finding a solution that works for you.
Insurance & Billing FAQs
When will I receive a bill?
After your appointment or surgery, we submit a claim to your insurance company. Once they process the claim and pay their portion, we'll send you a bill for any remaining balance (co-payment, deductible, or coinsurance). This typically takes 30-60 days.
What if my insurance denies coverage?
If your insurance denies coverage, our billing team will work with you to appeal the decision. We'll provide all necessary medical documentation to support the medical necessity of your procedure. You won't be left to navigate the appeals process alone.
Can I get a cost estimate before surgery?
Yes. Once your procedure is scheduled, our billing team can provide an estimate of your out-of-pocket costs based on your insurance coverage. Keep in mind that estimates are not guarantees, as final costs depend on the complexity of your surgery and any additional services needed.
Do you offer payment plans?
Yes. We offer interest-free payment plans for patients who need to spread costs over time. Contact our billing department to discuss your situation and set up a payment plan that fits your budget.
What if I don't have insurance?
We welcome self-pay patients and offer discounted rates for those without insurance. We also offer payment plans to make your care affordable. Call our billing team at (910) 642-3214 to discuss self-pay pricing and payment options.
Will you bill my insurance directly?
Yes. We bill your insurance company directly and handle all the paperwork. You're responsible only for your co-payment, deductible, or coinsurance as determined by your insurance plan.
Questions About Your Coverage?
Our billing team is here to help. Call us today to verify your insurance, discuss payment options, or get answers to your billing questions.
Call (910) 642-3214