Insurance & Fees

First Colonial Family Practice and Urgent Care Center has contracted with most major health plans. That means we are an “in-network” or “participating” provider. We’ve listed some of the most common health plans with which we participate. If your health plan is not on the list or if you have any questions about whether we accept your health plan, first check your health plan’s Web site or “provider directory” for the most current list of participating providers. If you still have questions, contact us.

The following is the list of insurances with which we participate. This will be updated from time to time as needed:

• Aetna Commercial/Medicare
• Anthem BCBS
• Apostrophe
• Cigna Healthcare
• HealthNet Federal Services (HNFS) Tricare
• Humana
• Humana Military Tricare
• Medicare – Palmetto – VA
• Medicare – Palmetto GBA – VA
• Medicare – Palmetto GBA – VA – Revalidation
• Multiplan/PHCS
• Railroad Medicare Virginia
• Sentara Health Plans – Commercial
• Sentara Health Plans – Medicaid
• Sentara Health Plans – Medicare
• United Healthcare
• Virginia Health Network
• Virginia Medicaid
• WebTPA – Custom Ink
• Optima

*Medicaid participation is optional and varies amongst Privia Medical Group providers – please verify participation prior to your visit.

Note: You should always check with your Privia Medical Group provider to verify plan and product coverage as this is not an exhaustive list, and plans change frequently.

Payment Options

First Colonial Family Practice and Urgent Care Center accepts the following payment methods:

• Cash
• Debit Card
• Check
• VISA
• Mastercard
• Discover Card
• American Express

Copayment Policy

Most health plans require that patients pay all applicable copayments in full at the time of service.

Questions About Your Account

If you have questions about billing, a statement, making payments or your account, be sure to check our Questions? section for answers.

If you can’t find the answer on our Web site, you can contact the First Colonial Family Practice and Urgent Care Center Billing Department at 757.481.2333, and select option “1” when prompted.

Card-on-File

We encourage patients to keep a credit card on file to make the checkout process easier, faster, and more efficient. You will no longer receive statements from us, but you will continue to receive your Explanation of Benefits (EOB) from your insurance carrier once your claim has been processed, detailing the charges and payments made on your behalf.

At check-in we will:

• scan the credit card of your choice, including your Flexible Spending Account (FSA) or Health Savings Account (HSA) card

After your insurance has paid their portion, we will:

• notify you via email of the balance owed
• charge the balance owed to your card on file
• email a receipt for the charge

Your credit card information will always be fully protected by our off-site, card-processing partner Elavon, and not on our computers, as required by industry standards (Payment Card Industry Data Security Standard – PCI-DSS).

Fees

In order to hold down the cost of medical care as much as possible, we ask that you pay for the service at the time of your office visit. In most cases, you will only need to pay for the “patient liability” portion that your health plan requires. This is usually a copayment and/or a portion of your deductible and any applicable coinsurance amounts.

We will make every effort to assist you with insurance claims but may find it necessary to charge a fee for multiple or very complicated insurance forms.

If your insurance coverage is with a plan with which we are not contracted or if you do not have your current health plan information with you at the time of your visit, we will collect 100 percent of your charges at the time of service.

THERE IS AN AFTER HOURS FEE OF $30.00 THAT APPLIES TO OFFICE VISITS WHEN PATIENTS CHECK-IN AFTER 5 P.M. ON WEEKDAYS, ANYTIME ON SATURDAY, SUNDAY, AND ON HOLIDAYS. THIS FEE MAY OR MAY NOT BE COVERED BY INSURANCES.