Financial & Insurance

Responsible Party

The responsible party is the person responsible for the patient’s account. Please note that a divorce decree or other financial arrangement between two parties does not determine who Southwest Family Physicians  and Gretna Family Health bills for service. We will bill the appropriate insurance, but will look to the responsible party for any balance remaining.

Fees and Payments

We understand that changing conditions in the economy and health insurance industry have made the cost of healthcare difficult for some families. Our fee schedule has been developed to be consistent with usual and customary charges in the community. Payment is expected for all office visits provided by our staff, including charges for immunizations, in-house lab work and medical supplies. In an effort to provide the most comprehensive care available to our patients, we make a number of services available to our patients at no cost, including our Nurse Advice Service, weight and blood pressure checks, and completion of most medical forms.

  • Please be aware that if any outside lab or x-ray services are required, you will receive a separate bill for those services from the lab or x-ray provider.
  • In addition to cash and check payments, we also accept Visa, MasterCard, Discover and American Express with online payment option.


Southwest Family Physicians/Gretna Family Health accepts most commercial insurance as well as Medicare, Tricare and Medicaid. We do not accept insurance discount plans. If you have any questions about which insurance plans we accept, please contact your insurance plan to check network benefits.

Please note the following insurance guidelines:

  • Please use the patient’s legal name for all insurance and medical records and designate Southwest Family Physicians as your PCP if your insurance requires a PCP.
  • In order to bill your insurance company for services provided, it is critical that we have current insurance information in our records. We ask for your current insurance card at each visit so ensure that our information is correct and up-to-dale.
  • If you have a deductible or health savings account plan, there may be a patient balance after the insurance company paid their portion of the bill. We will bill for this balance due and request payment be made within 30 days.
  • It is the responsible party responsibility to be aware of the patient’s insurance benefits. Not all services provided in our office arc covered by all plans. Some insurance plans do not cover preventative health visits. If your plan does not cover preventative health visits, immunizations, or has other specific exclusions, we may ask you for a deposit for these types of services. In all cases, the responsible party will be charged for any service not covered by the patient’s insurance plan. Please feel welcome to ask us if you have any questions about your insurance plan as we may be able to help.
  • If you have two insurances, we will bill the primary insurance and the secondary insurance. We request that you provide all necessary insurance information to our offices and promptly respond to insurance company requests to assist us in this coordination of benefits process.
  • Your insurance company may request additional information from you before they process claims. Please respond promptly to any requests from your insurance company. Failure to respond to insurance company requests may result in unpaid or denied claims in which case the patient becomes fully responsible for these charges.


Southwest Family Physicians / Gretna Family Health participates in all the Nebraska Medicaid Programs.
We verify eligibility at the time the appointment is made, and on the day of the appointment.


Many insurance plans require that patients share in the cost of the visit by paying a co-payment. Co-payments are due at the time of the visit. The adult that is accompanying a minor patient is responsible for paying the co-payment at the time of the visit.

If you do not have your copay you will be asked to reschedule your appointment

Patients with No Insurance/Self Pay

Payment is due at the lime of service. Office visits start at $76.00 and can run up to $310.00.

Patients with no insurance are eligible to receive vaccines within our office from the nationally funded “Vaccines for Children” (VFC) program, at a cost of $13.85 per immunization.

Return Checks

We have a $33 returned check charge for any checks returned to us by your financial institution as non-paid.

Past Due Balances

If you have a balance on your account you will be reminded of this when calling to make an appointment and will be asked to bring in this payment with you to your next appointment.

Past due accounts greater than 90 days are subject to third party action and potential discharge from the practice. Accounts sent for collection action will be assessed a $30 collection charge.

If you need special payment arrangements, please contact our billing office to speak to one of our patient financial representatives. We are able to provide short-term payment plans for emergency situations.

Our collection policies are fair but firm. We will never deny access to necessary medical services for our patients due to non-payment issues, however, patients may be discharged from the practice due to non-payment for medical services received. If a patient is discharged from the practice for financial reasons (including bankruptcy), we will give 30-days notice and provide emergency medical care during the notification process. These accounts may be turned over to an outside collection agency.

Please feel welcome to contact our billing office at (402) 391-3010.