Insurance and Payment Options

Payment Policy

Effective October 2025

At Indian River Primary Care, we strive to provide every patient with exceptional care and transparent billing practices. Please read the following payment policies carefully prior to your first appointment.

Insurance & Payment Responsibility

Indian River Primary Care files your insurance as a courtesy.

If your provider is In-Network with your insurance, your co-pay and any deductible are due at the time of service. 

If Indian River Primary Care is not a participating provider for your insurance, payment in full is expected at the time of service.

All charges will include any and all services rendered at Indian River Primary Care.

Please note that each insurance policy is different. It is your responsibility to know your benefits and requirements. If pre-authorization is needed, please inform our staff so we may obtain authorization.

Your insurance policy is a contract between you and your insurance company, not between you and our physicians.

Out-of-Network Insurance Policy

If your insurance plan is out of network with Indian River Primary Care, please note the following:

Payment at Time of Service:

A payment of $150 will be collected at the time of your office visit.

Final Billing:

After your visit, our billing team will review and process all billable services performed during your appointment. A final bill will then be created, and the $150 collected at the time of service will be applied toward the total amount due.

Balance Payment:

If there is a remaining balance after the $150 payment is applied, your credit card on file will be charged for the balance due.

Insurance Reimbursement:

Indian River Primary Care will submit the claim to your insurance company on your behalf. Because we are out of network, your insurance company will reimburse you directly according to your plan’s out-of-network benefits.

Please note: Indian River Primary Care is not in network with any Medicare Advantage Plans. Patients with Medicare Advantage coverage will be considered out-of-network and subject to the above payment policy.

Patient Balances & Payments

Patient balances are expected to be paid in full. We do not offer payment plans for outstanding balances.

Partial payments received through the mail will not be accepted.

If you are unable to pay for your appointment or for previous balances, please notify our staff before your scheduled visit. You may be asked to reschedule your appointment if balances remain unpaid.

Indian River Primary Care Collections Policy

If you are 30 days past the date of service and your balance for that visit remains unpaid, your account will automatically be placed in collections. At that point, you will no longer receive Chronic Care Management (CCM) services. To resume care, you will be required to pay the outstanding balance and maintain a credit of $150 on file at your next office visit. Failure to make this payment will result in rescheduling of your appointment. By signing below, you acknowledge and agree that you understand and accept this policy.