Frequently Asked Questions

Can I use a credit card to pay my bill?

Yes. Grace Cottage accepts Visa, MasterCard, American Express, and Discover.

Where can I pay my bill?

By Mail: Use the return envelope that came with your billing statement to make a payment by check, money order, or credit card.

In-Person: Stop by the Business Office to make a payment in person.

By Phone: Credit card payments can be made by calling 1-800-270-1298.

I had a test done at Grace Cottage, but received a bill from another doctor. Why?

Labs and other tests such as X-rays may be sent out to be read by a pathologist or radiologist. You may be billed separately for these services.

Why am I being billed when I have insurance?

Many insurance companies have amounts that the patient must pay. These are called deductible, co-pay or co-insurance payments. If your insurance plan requires you to pay a deductible or co-insurance, the balance will be billed to you. If you have a question about why your insurance company did not pay part of a claim, you should call your health insurance company directly.

You may also receive a bill if your insurance company does not process our claims by their due date. If you receive a statement that does not show insurance processing, you should contact your insurance company to determine the reason for delay.

When is payment of my bill expected?

Payment is expected upon receipt of your statement. Co-payments are expected at the time of treatment.

I cannot pay my bill. What should I do?

Please contact a Patient Account Specialist who can help you establish a payment plan or see if you may qualify for financial assistance. Patient Account Specialists are available Monday to Friday from 8:00 a.m. to 5:00 p.m. Call (800) 270-1298.

I received an Explanation of Benefits (EOB) or Explanation of Payment (EOP) and do not understand it. Who can I call with questions?

An EOB or EOP are documents sent by your insurance company (or Medicare) directly to you. These documents show how your insurance company processed your claim. If you have questions about your EOB or EOP, please call your insurance company.

I still have questions regarding my bill. Who can I call or email?

Call our Patient Account Specialists at (800)-270-1298 or email at