Insurance coverage

Atrium Health Floyd and Harbin Clinic accepts most major health coverage plans, although coverage is different based on where you receive care.

Ongoing changes with health insurance plans make it important to understand your coverage and know the costs you’re responsible for when visiting your physician, having tests and undergoing procedures. For this reason, we recommend you learn the details of your plan before any health care visits.

Your health insurance plan may require deductibles, coinsurance and different copays for different kinds of doctors. Coverage will depend on the type of plan you have.

You can learn the details of your coverage by visiting your health insurance provider’s website or contacting its customer or member services department. The back of your insurance card should include the phone numbers and website addresses you’ll need.

Insurance plan coverage

You can check which insurance companies typically cover Atrium Floyd Health and Harbin Clinic services:

Questions for your insurer

Before your appointment or procedure, make sure you know the answers to the following questions to help ensure a smooth billing process:

Is my doctor’s visit covered completely? If not, how much will I be expected to pay?
If I need tests, will they be covered completely? If not, how much will I be expected to pay?
If I need a procedure, including surgery, how much will my insurance cover? How much will I be expected to pay?
Will I need authorization or permission from my insurance plan before my health care visit with any type of doctor, including specialists?

Why choose a plan that Includes Atrium Health Floyd and Harbin Clinic?

If you already have an Atrium Health Floyd and Harbin Clinic doctor or hospital you prefer, you may want to pick a health insurance plan, Medicare plan or Health Insurance Marketplace plan that includes your trusted providers in network. This lets you continue seeing them while better managing your health care costs.

In addition to your doctor and hospital, you get a seamless connection to Atrium Health Floyd and Harbin Clinic care options. A few highlights include:

Primary care from the region’s largest network of providers, including family medicine and internal medicine.
Exceptional specialty care, including a certified chest pain center for heart care.
The region’s largest network of behavioral health and substance use services.
Convenient on-demand care options such as urgent care and telehealth
Peace of mind that when you get care from Atrium Health Floyd and Harbin Clinic, you can more easily keep your out-of-pocket costs down.

Billing questions & payment plans

Our representatives and financial counselors can answer questions about your bill and set up payment plans. Contact our representatives Monday-Friday from 8 a.m-5 p.m at 762-235-1200.

Please be aware you will receive a separate bill from the following specialists when their professional services are needed as part of your treatment:

Radiologists who view X-rays and imaging tests. We’ll bill you for the imaging service, and you’ll receive a separate bill from the radiologist for reading the image.
Pathologists who review biopsies.
Anesthesiologists for procedures that require their services.