Payment Policy

HAVCOG Payment Policy

HAVCOG PAYMENT POLICY Medical services are provided by our practice and billed via our billing company. We participate in most major health insurance plans. Please understand that your insurance is a contract between you and your insurance company. We submit claims to them as a convenience to our patient, but our contract for services is between you and us, so you are ultimately responsible for all bills not covered by your insurance company. Following are the health plans which we currently accept.

If your plan is not listed, contact us. We may still be able to file a claim on your behalf. However, if we cannot, we can provide you with a form that you can submit to your insurance company to instruct them to send reimbursements directly to you. If this occurs, then you must make payment for our services within one week of receiving payment from the insurance company.

Please be aware that with any health plans, there may be deductibles and copayments for which you could be responsible.

Health Plans We Participate In

  • Aetna
  • AARP
  • Blue Cross / Blue Shield of AL, GA, TN, IL
  • Blue Advantage
  • Champus
  • Cigna
  • Healthspring
  • Humana
  • Medicare
  • Medicaid
  • Mutual of Omaha
  • Tricare
  • United Healthcare
  • Viva
  • If your insurance is not listed in the list above, please contact us to verify if we take your insurance

    Questions About Your Bill

    Patients may schedule appointment by visiting the clinic between 8:00 AM and 5:00 PM Monday – Friday or by calling (706) 407-0161. The Emergency cases are available up to 8 PM.

    Sometimes the unexpected happens and you need to cancel your appointment make sure you call us or email us 1 day before cancellation.

    You may contact us at 706-407-0161 or you may visit our Contact Us page for more options.

    First appointment, please bring the following:
    • Insurance card
    • Photo ID
    • Any previous medical records and test results
    • All current medications

    Yes, we have a 24/7 ambulance service available.

    You will receive a copy of your bill. After your insurance has paid, we’ll provide you with a monthly statement of your account.


    During office visits You will receive a co-payment. All testing procedures will be billed to your insurance company and once your insurance pays their part you will receive a bill. Our statements are sent at every 3 months.

    Each physician who provides professional services will send you a separate bill from his or her office. These physicians will include:

  • your own physician
  • other physicians who conducted tests and procedures
  • consulting physicians chosen by your primary physician to read and interpret test results.
  • These physicians may include specialists in anesthesiology, cardiology, emergency medicine, nuclear medicine, pathology, radiology, or urodynamics. You will be responsible for paying these bills as well.