Policies

 To provide efficient and transparent billing, S&T Urgent Care requires a card on file for all patients receiving care, whether using insurance or paying out of pocket. This policy ensures prompt payment for services and reduces billing delays for both insured and self-pay patients.

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🔹 How It Works (For Insurance Patients):In addition to collecting any required co-pays at the time of service, patients using insurance must keep a credit or debit card on file. After your visit, we submit a claim to your insurance provider. Once processed, you and S&T Urgent Care will receive an Explanation of Benefits (EOB) showing any remaining patient responsibility. If a balance is due, we will notify you by email, and your card on file will be charged 10 calendar days later, unless you contact us to make other arrangements. If your insurance covers the visit in full, no charge will be made to your card.

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🔹 How It Works (For Cash-Pay / Non-Insurance Patients):Patients not using insurance (cash-pay) are expected to pay in full at the time of service. If for any reason the full balance is not paid during the visit, the remaining balance will be charged to the card on file within 10 calendar days. This ensures uninterrupted access to care and minimizes manual billing follow-up.Exemptions:The Card on File policy does not apply to:Patients experiencing a medical emergencyPatients covered under Medicare or Medi-CalPatients being seen for Occupational Medicine or Workers’ Compensation servicesAll cards are securely stored and processed in compliance with HIPAA and PCI-DSS standards. We are committed to protecting your information while keeping your experience smooth and efficient.Let us know if you have any questions about this policy. Thank you for choosing S&T Urgent Care.