You may set up a Card on File Agreement to securely pay copays and future patient charges automatically using your credit card.
You set dollar amount limits for authorized automatic charges and receive emails providing advance notice of upcoming charges and payment receipts. Payment amounts are applied to the credit card after your health insurance processes your claim and assigns an amount as your responsibility.
Please note: This option is different from and in addition to the Payment Plan some patients may have in place setting monthly payments for past-due balances.
FAQs: CARD ON FILE AGREEMENT
Q: What are the benefits of creating a Card on File Agreement?
You may:
- Pay future balances and copays conveniently
- Make payments automatically with their card of choice
- Avoid writing checks to pay bills and having to chase down missing payments
- Receive notifications and receipts via email
Q: How does a patient create a Card on File Agreement?
A: Because the Card on File Agreement is a signed contract between you and Martin’s Point Health Care, it must be set up and signed, in person, at your Martin’s Point Health Care Center. A Patient Services Representative can help you do this when you check in or out at one of your health care appointments. These Agreements cannot be set up over the phone or through the MyMartinsPoint® patient portal.
Note: Martin’s Point is not authorized to collect automatic payments using credit card you may have saved in the MyMartinsPoint® patient portal. This saved information only helps you make future one-time payments through the portal.
Q: How long can a Card on File Agreement last?
A: There are three options for the length of time a Card on File Agreement can be in effect:
- “Expiry”— the expiration date of the credit card
- One year from the date of the signed agreement
- Today’s appointment—allows payment solely for the appointment occurring on a specified date
Q: How does Martin’s Point Health Care determine how much to charge me for each service?
A: If you have health insurance, charges are determined after the insurance plan has processed the claim for the service and determined what amount is considered the “Patient Responsibility.” The insurance plan notifies Martin’s Point of the portion of the cost that is due from you and that amount will be charged to your credit card up to the maximum authorized in your Card on File Agreement.
If you don’t have health insurance, your card will be charged the cost of services received up to the maximum authorized in your Card on File Agreement.
Q: Is there a limit to the payment amount that can be automatically charged per transaction?
A: When setting up the Card on File Agreement, there is a default maximum amount of $1500.00* that can be charged over the duration of the Agreement. You can change this amount by entering your desired amount on the Card on File Agreement.
*IMPORTANT NOTE: This is not a per-transaction maximum amount. This is the maximum amount chargeable for the duration of the Agreement.
Q: Will I be notified prior to an automatic payment transaction being completed?
A: Yes. You are notified of pending charges five calendar days before the charges occur. This allows you time to contact the Billing Office to dispute any of the pending charges if needed.
Q: When is my card charged?
A: Cards that are on file are charged at approximately 6 am, five days after the pending charge notification. (Exception: if you have an unapplied credit on your account, this will be applied first and then the charge notification is sent.)
Q: What can I expect after a charge has been applied to my card on file?
A: You will receive a second email when the card is charged. You will also receive an email receipt with the details of the transaction once the card is charged.
Q: Will any outstanding balances I may have (balances existing BEFORE the effective date of the Card on File Agreement) be automatically applied to the Card on File Agreement?
A: No. A Card on File Agreement only covers balances on claims created AFTER the Card on File Agreement was put in place. Payments for previously existing balances will need to be processed separately.
Q: Who will manage any issues once the Card on File Agreement is in effect?
A: There are times when a card transaction may fail or other issues may arise after a transaction has occurred. When this happens, our Martin’s Point Billing Department will work with you to address these issues.
Q: Can I see the history of my Card on File transactions?
A: Yes. History for all credit card payments made to Martin’s Point through the Card on File Agreement are viewable through the MyMartinsPoint® patient portal.
Q: What if the amount owed exceeds the maximum authorized amount on the Card on File Agreement?
A: The card on file will be automatically charged only up to the maximum amount authorized in the Agreement. You will be sent a statement for the remaining balance that is above the maximum authorized amount.
Q: Is there a difference between the current Payment Plans and the Card on File Agreement?
A: Yes. Payment Plans can be set up to pay for past-due balances and involve charging your credit card an agreed-upon monthly amount (based on Martin’s Point guidelines) until the previously owed balance is paid in full. The Card on File Agreement is used to pay for current and future charges and involves preauthorized payments for the full patient balance (up to the authorized maximum) at the time of the transaction.
Q: Can I have a Payment Plan and a Card on File Agreement at the same time?
A: Yes. Since the Payment Plan is for previous, past-due balances and the Card on File Agreement is for current and future charges, you can have both and can use the same credit card for both. They are set up differently.
