McFarland Clinic

Frequently Asked Questions

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How do I know if McFarland Clinic contracts with my insurance company?

McFarland Clinic contracts with many insurance companies. Click here to see a list of accepted insurance companies. The list may not be all-inclusive. For specific questions about your coverage, please contact your insurance company.

What if McFarland Clinic is out-of-network?

It is important that you understand your insurance company’s out-of-network benefits as you may have a larger deductible to satisfy, larger out-of-pocket expenses, or the service may not be a covered benefit. See our Billing Checklist for more information.

When do I pay my co-payment?

Co-payments will be collected at the time of your visit. We accept cash, checks, debit cards, and major credit cards (MasterCard, Visa, Discover, or American Express).

Does McFarland Clinic send all necessary information to my insurance company to process my claims?

We will send all requested information to your insurance company; however, there are times when your insurance company may request information directly from you. It is very important that you respond timely to these types of requests from your insurance company to ensure there is not a delay or denial in processing your claims.

Will I receive a statement?

Family billing statements are issued for patient-responsible balances. Your statement will not include charges that are pending with your insurance company or services without a patient-responsible balance. You have the option to receive paper billing statements through the mail or electronically via our secure website.

What if I have a question about my statement?

Please contact the Business Services office for customer service. Click here to see locations and phone numbers.

You can also use your MyChart account or contact us online.

What if I have a question about a LabCorp statement?

McFarland Clinic is able to run many tests in our own labs, however some tests may need to be sent to a reference lab such as LabCorp. If your test is processed by LabCorp, you may receive a bill from them for any out-of-pocket expense not covered by your insurance company. If you have a question about your LabCorp statement, please contact LabCorp Patient Billing Customer service at 800-845-6167 or visit the LabCorp billing page.

Does McFarland Clinic bill secondary/supplemental insurance?

McFarland Clinic is dedicated to helping you receive full benefits from your insurance company. As a service to you, we submit secondary claims along with required Explanation of Benefits to your insurance company. At Registration/Check-In you will be asked to provide complete insurance information, so be sure to have your insurance cards with you.

What if my visit is due to an auto accident, injury, or liability of another person?

Please notify McFarland Clinic when scheduling your appointment for appropriate billing of care related to work, accident, or special circumstances.

What if I don’t have health insurance?

Be assured that emergency service will not be delayed or withheld on the basis of a patient’s ability to pay. If you do not have health insurance, please contact our Financial Advisors at 515-239-4597. Our Financial Advisors will review our discount options for uninsured patients as well as other payment and financial assistance options that may be available.

What if I can’t pay my account balance in full?

The McFarland Clinic Business Services staff will work with you to establish an acceptable payment plan. Partial payments made toward your balance may not stop our collection process unless you have made payment arrangements with us. Please contact McFarland Clinic Business Services at 515-239-4597.

What are my payment options?

We offer several different options for payment. Please click here for more information.

What is your policy on billing in cases of divorce?

A billing guarantor will be established with your child’s first visit. Both parents are legally responsible for the account balance and will have access to the child’s billing information. The clinic cannot act as administrator to resolve financial arrangements.

Why did I receive a bill for a physician I did not see?

Certain physicians assist with your medical care even though you may not meet them. Commonly these are the physicians who read your lab results, x-rays, EKGs and other services. Please contact us if you have a question about a charge on your statement. Click here to see a list of Business Office locations and phone numbers.

May I request a change in the coding for a service I received?

Federal law requires appropriate and accurate coding. Coding must reflect what happens during your medical visit and match what is recorded in your medical record. When services are denied, your insurance company may tell you that a service may be reimbursed if another code was used. However, it is illegal to change codes just to obtain reimbursement. If you have a question concerning your bill, please contact our Business Services office. Click here to see a list of locations and phone numbers.

Why am I billed for a preventive visit and an office call on the same day?

Federal law requires appropriate and accurate coding. Coding must reflect what happens during your medical visit and match what is recorded in your medical record. The office call charge represents the portion of your visit associated with the problem(s) addressed. The preventive charge represents the service associated with your “physical exam.”

I am a Medicare patient. Why are there so many questions asked at registration?

Since McFarland Clinic participates with Medicare as an insurance provider, it is required by law that we aid in the collection of beneficiary health insurance or coverage information.

A series of questions are asked at every visit associated with Medicare coverage regarding the beneficiary’s Medicare status. These questions are designed to prevent fraud and keep Medicare from being billed inappropriately. For more information, click here to see the Centers for Medicare & Medicaid Services frequently asked questions.

What is the cost of a COVID-19 test?

There may be a cost associated with COVID-19 testing at McFarland Clinic. Patients are encouraged to check with their insurance carrier for coverage and to provide the following codes:

  • U0003 - COVID PCR lab test - $202.00
  • 86769 - COVID Antibody test - $87.00
  • 87426-QW - COVID Antigen test - $84.00

See information regarding insurance and discounts for uninsured patients on our Coronavirus page.


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