Payment Policy

Medical services are provided by our practice, and billed via our billing company, Tri-State Billing. 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, ask us

Questions About Your Bill

What billing or insurance information will I receive?

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

How long will it take to get things settled with the insurance company?

Generally, it takes from 45 to 60 days to obtain payment from an insurance carrier.​

​Why am I getting bills from physicians?

​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.

​I received a notice that my insurance company has paid on my bill -- but I can't understand how they calculated their payment amount. Do you know?

​If we have received any such information from your insurance company, we'll be glad to share it with you. However, for answers to any questions about insurance payments, deductibles, or co-payments, you generally need to check with your insurance company.

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Call us at

256-997-9200

© 2020 Appalachian Cardiovascular Associates, Inc.

Monday -  Friday     8:00 am - 5:00 pm

by appointment. All insurances accepted.

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