Manchester Medical Center – Financial & Billing Policy

Insurance Required at Time of Service

All patients must present valid insurance at the time of service.
If no insurance is provided at check-in, or if the patient has out-of-state Medicaid, they will be treated as Self-Pay and billed accordingly.

✅ Insurance Accepted

Manchester Medical Center (MMC) is In-Network with the following insurance providers:

  • Medicare

  • Green Mountain Care / Dr. Dynasaur (Vermont Medicaid)

  • Aetna

  • MVP

  • First Health

  • Blue Cross Blue Shield of Vermont, including:

    • Accountable Blue

    • BlueCard (out-of-area programs)

    • CBA Blue

    • Federal Employee Program

    • Medicare Advantage (Vermont Blue Advantage)

    • Medicare Supplemental (Vermont Blue 65)

    • The Vermont Health Plan

    • Any plan bearing the BCBS service mark

🌐 Out-of-Network Insurance

MMC is an Out-of-Network provider with most other commercial insurance companies. We will:

  • Collect your Urgent Care copay at the time of your visit

  • Electronically submit your claim to your insurance company

  • Once your insurer processes the claim, you may be balance billed for any amount they do not cover

    • You may be responsible for up to an additional $395 out-of-pocket, beyond what your insurer allows toward your deductible

    • You are also responsible for any deductible amounts, per your plan

⚠️ We do not accept out-of-state Medicaid. Patients with Medicaid from outside Vermont will be treated as Self-Pay.

💳 Self-Pay Policy

If you do not have insurance, do not present insurance at the time of service, or have out-of-state Medicaid, you will be treated as a Self-Pay patient.

Self-Pay Charges:

  • A $100 down payment is required at check-in

  • The maximum total charge for your visit is $430

  • The $100 down payment is applied toward that cap

    • You may be billed for up to $330 more, depending on the services provided

Important:
This cap only applies to services provided directly by Manchester Medical Center.
✅ Services included in the cap: in-house urgent care, clinical exams, and medical treatments
❌ Services not included in the cap: outside labs, imaging, or referrals — these are the full responsibility of the patient

Example:

  • You pay $100 at check-in

  • After your visit, your total is $400

  • You may receive a bill for the remaining $300

  • You will never be billed more than $430 total for MMC services

💰 Other Payment Information

If MMC is In-Network with your insurance:

  • Copays and estimated coinsurance are due at registration

  • Claims are submitted electronically

  • Payment for any prior unpaid balances is due at registration

If MMC is Out-of-Network:

  • Copays and estimated coinsurance are due at registration

  • Claims are submitted electronically

  • You may be responsible for uncovered balances per your insurance plan

If MMC does not accept your insurance or you choose not to use insurance:

  • Full payment is due at checkout unless a payment plan is arranged

  • Prior unpaid balances are due at registration

  • If paying in full at the time of service, you may qualify for a 15% cash discount

💼 Health Savings Accounts (HSAs)

We accept payments from all major Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs).

🧾 Know Your Coverage

With the wide variety and complexity of insurance plans, it is ultimately the patient’s responsibility to understand their own insurance coverage — particularly regarding out-of-network benefits.

MMC staff can assist with general questions, but we cannot guarantee coverage details or outcomes of insurance claims.

💬 Questions or Need Help Paying?

Your health and wellness are our top priority.
You will not be turned away based on inability to pay.

If you're experiencing financial hardship, please speak with us. We’re happy to work with you to find a solution.

Payment options may include:

  • Payment Plans

  • CareCredit

  • Other financial assistance options

📞 Contact us at 802-768-1718 with any questions.