Cost & Payment
Mercy Urgent Care in Western North Carolina has a variety of payment options so you can choose what is best for you.
Self-Pay > Insurance > Financial Assistance > MercyMe Memberships
Blue Cross Blue Shield NC customers: Mercy Urgent Care is a local, independent, not-for-profit organization. We are in network for Blue Cross Blue Shield NC. For a complete list of the insurance plans accepted by Mercy Urgent Care, see below.
Today and every day, Mercy Urgent Care makes the billing process for insurance as easy and convenient as possible. Our team of dedicated payment experience representatives are happy to help with any questions.
We’re here to help make sure you receive the full benefits of your coverage. For billing questions, please contact us at (828) 252-8957 Monday – Friday, 8 am to 4 pm EST.
Direct Billing to Providers
On your behalf and for your convenience, Mercy Urgent Care will verify your coverage, either before or during your visit, and bill your insurance company directly for the services provided.
Once we’ve heard back from your insurance provider, we’ll send you a statement that details any remaining balance.
You’ll also receive an Explanation of Benefits (EOB) from your insurance company that lists the services provided by Mercy Urgent Care, the amount billed, any insurance payments made, and the portion for which you are responsible.
Please make sure to bring your health insurance card to your visit, along with any secondary insurance information, if applicable. If you are not the subscriber of the insurance covering your services, we will need the date of birth and social security number of the policy holder.
If your information has changed since your last visit, please let our team members know so that we can update our records.
Online Bill Payment and Bill Inquiries
The care and convenience of Mercy Urgent Care extends past our doors: You can pay your bill via Online Bill Pay. Follow this link to make secure credit card payments and to send messages for billing inquiries.
Understanding Your Plan
Most insurance plans require that you make a co-payment or cover any deductible at the time you receive medical services. Besides your co-payment/deductible, you may also be responsible for any unpaid amount not satisfied by your insurance plan.
If you have questions about your insurance plan, please contact your insurance provider. The phone number will be located on the back of your insurance card.
While we accept most major insurance, in-network status may vary. The following are in-network for Mercy Urgent Care:
- ACS Benefit Services
- Blue Cross Blue Shield North Carolina (BCBSNC)
- Coventry Healthcare/Coventry of the Carolinas
- Crescent Health Solutions
- NC Medicaid*
- Three Rivers Provider Network
- United Healthcare
- And many more
*As of July 1, 2021, Medicaid has moved to a whole-person managed care approach. With a goal of improving care management, integration of services, and addressing unmet social needs that contribute to poor health, Medicaid beneficiaries are required to visit their primary care physician (PCP) for all non-emergency healthcare needs, including, but not limited to, physicals for school, work and sports. Due to this change in Medicaid’s policy, Mercy Urgent Care will no longer be able to accept Medicaid for wellness related visits such as physicals. We urge all Medicaid eligible patients to take advantage of these special program benefits. Learn more here.
COVID-19 Insurance Coverage
COVID-19 testing falls into two categories:
Diagnostic—used for treatment. Patients are symptomatic or asymptotic but have been exposed.
Screening—used for administrative purposed. Patients are asymptomatic and have not been exposed. IE testing for travel purposes.
Under the Families First Coronavirus Response Act (FFCRA) and the Coronavirus Aid, Relieve, and Economic Security Act (CARES), Insurance plans must cover diagnostic testing without cost-sharing—cost sharing being the amount assigned to patient responsibility; it includes deductibles, copays and co-insurance—but do not have to cover screenings. They also are not required to cover antibody testing, which is used to determine whether a patient has a history of COVID-19 rather than the active virus.
Make your visit even more convenient. Please bring the following:
- Driver’s license or photo ID
- Health insurance information if you have insurance
- Payment (cash, check, debit or major credit card) for co-pay, deductible, or Self-Pay visit
- List of medications, allergies, and past surgeries
- Parental authorization form (for minors under 18 without a parent present)