Financial and Insurance


We are committed to the success of your medical treatment and care. Please understand that payment of your bill is part of this treatment and care.

All patients must complete our Patient Information Form. We believe that a good relationship is based on understanding and open communications. Our staff has been instructed to make every effort to clarify any issues concerning your balance.

For your convenience, we have answered a variety of commonly-asked financial policy questions below. If you need further information about any of these policies, please ask to speak with a patient representative or the Practice Manager.

How May I Pay?

We accept payment by cash, check, VISA, MasterCard, Discover and American Express. For your convenience, our billing office is staffed Monday through Thursday from 8:00 AM to 4:00 PM. The phone number is (706) 295-5150. You are expected to make payment in full upon receipt of a bill showing your balance due or according to the terms below:

Payment Plans

Payment Plans may be established following the terms below. An account set up on a payment plan is considered delinquent four (4) days after the agreed upon payment date. Please call the office to establish a payment plan at (706) 295-5150.

Balance Due


$149.99 or less

2 Months

$150 - $299.99

3 Months


6 Months

When is my account delinquent?

An account is considered past due 30 days following billing unless other arrangements have been made. Unpaid accounts beyond 90 days are considered delinquent and may be forwarded to our collection agency and will have a service fee/billing fee added.

Are there Service Charges?

There will be a billing fee of $20.00 added to each statement billed after 75 days of service.

Is Interest Charged?

Patients with an outstanding balance over 60 days will be charged interest of 18%.

Phone calls to Doctors

Our providers will not be doing telephone medicine; if you need to talk your doctor we will give you an appointment. Calling the doctors after hours will result in a charge which insurances do not pay-making you responsible.

Do I Need A Referral?

If you have an HMO plan with which we are contracted, you need a referral authorization in order to see a specialist. Most specialists will reschedule your appointment if you do not have a referral beforehand. You will most likely need to be seen first at VHC in order to evaluate the appropriateness of a referral.

What Is My Financial Responsibility for Services?

Your financial responsibility depends on a variety of factors. Claims that have not been paid in 45 days will be automatically billed to you and we can assist you in refilling your insurance at your request.

What about missed appointments?

We would appreciate your help and courtesy of a call if you are unable to keep an appointment. Please notify our office at least twenty-four (24) hours prior to the appointment time. After two missed appointments, we reserve the right to charge you a missed appointment fee of $45.00. At this time, you will be asked to keep a credit card on file to make an appointment. Four missed appointments are grounds for patient discharge.

Returned Check Fee

A fee of $25.00 will be charged for all returned checks. This fee will be charged even if the check clears after trying a second time. After a second time of this occurring, you may be asked to keep a credit card on file.

Legal Fee:

Any patient sent to collections will be responsible for all collection fees. If a patient is taken to small claims court the patient will be responsible for all fees/charges.


Insurance Plans Accepted at Valley Health Care:


Acordia National, Inc.

Adventist Risk Management

Advantra Freedom

Aetna - PPO

Aetna – HMO

Alliant Health One

American Medical Security

Assurant Health

Atlanta Plumbers and Steamfitters


Beech Street (CAPP Care)

Blue Cross / Blue Shield PPO

Blue Cross / Blue Shield HMO

Blue Cross / Blue Shield POS



Chesterfield Resources

Cigna HMO

Cigna PPO

Covenant Administrators, Inc.

First Health Network

First Medical Network

Georgia First

Golden Rule (United Healthcare)

Great West Life And Annuity


Group Resources, Inc.

Humana – PPO, “ALL Humana’s”

"ChoiceCare Network"

Kaiser Foundation Health Plan

Klais And Company Inc.


Medadmin Solutions

“Floyd Medical Center’s Plan”

Medical Resource Network

Meritain Health


National Asbestos Workers Medical

One Health Plan


Preferred Plan

Principal Financial

Prudential Health Care

Pyramid Life Ins Co.

Secure Horizons Ins.

Sheet Metal Workers Welfare Fund

Smart Data Solutions

Southeastern Carpenters


State Health

Tricare For Life “Champus”

Tricare South Region “Champus”

Tricare Standard “Champus”



Universal Health Care

United Health Care

Wells Fargo TPA (except Mohawk employees)

**Please call the office if your insurance carrier is not listed**

Insurance Plans We Do Not Accept:


Georgia Better Health Care

Medicaid – not with new patients


Tricare Prime “Champus”