Billing & Insurance

Patient Resources

At Cape Fear Orthopedics & Sports Medicine , our account specialists are available to assist you with your insurance and billing needs.

The following information is provided to assist you in contacting us and in understanding our billing and insurance policies and processes.

Insurance Plans

At Cape Fear Orthopedics & Sports Medicine , we participate in most major insurance plans, which includes but is not limited to the following:

  • Medicare
  • Medicaid of NC
  • Tricare
  • Doctor’s Direct Healthcare
  • Medcost
  • BCBS of NC
  • Cigna
  • United Healthcare
  • Wellpath
  • State Employees Health Plan
  • Aetna

Please verify your eligibility for services with your insurance company prior to your appointment. If you have any questions regarding insurance and your healthcare coverage, please call your insurance provider, which is listed on the back of your insurance card or contact us to verify coverage prior to your appointment.

Fees and Payments

We request payment arrangements for all office services at the time they are rendered unless prior arrangements have been made. If payment is not received, we reserve the right to refuse future appointments on delinquent accounts. If your account becomes past due, we will take necessary steps to collect this debt. All unpaid accounts for which payment arrangements have not been made are subject to collection procedures and additional collection costs.

Co-Payment/Co-Insurance and Filing Claims

If we do not participate with your insurance plan, we will file your claim as a courtesty to you. Upon filing the claims, we request the insurance carrier pay Cape Fear Orthopedics & Sports Medicine directly. Once we receive payment or non-payment notice from your insurance carrier, any balance remaining will be billed directly to you.

We require co-payment or co-insurance payments at the time of service. We accept cash, check, debit card, VISA, MasterCard, and Discover. For your convenience, you may also pay your bill online through our website.

If your insurance requires authorization to be treated, please bring it with you to your appointment. If you do not have the necessary referral, we may need to reschedule your appointment.

Self-Insured (no insurance) Patients

Patients who are not insured by an insurance plan/carrier will be required to pay for services at the time of your appointment.

Financial Concerns

If you are unable to pay large balances all at once, our staff would be happy to assist you with making financial payment arrangements prior to your appointment.


If your insurance requires authorization to be treated, please bring it with you to your appointment. If you do not have the necessary referral, we may need to reschedule your appointment.

Refund Policy

Refunds may be issued only after all benefit claims have been processed by the patient’s health insurance carrier. If you have overpaid your account, please call (910) 484-2171 ext. 509 to request a refund.


We take pride in helping our patients overcome an injury, relieve their pain, and return to an active, healthy lifestyle.

  • Dr. Kouba made my visit very relaxed. He answered all the questions I had and showed me the pictures to show the damage in my left hip as a result of Osteoarthritis.
    John S. Treated by Stephen H. Kouba, M.D.
  • I have been very pleased with Dr. Lowe and respect his advice.
    Joyce D. Treated by: Jason B. Lowe, M.D.
  • Everyone was very nice and explained what was going to happen. I was there about a knee problem. I made the right choice.
    John Jackson Treated by Physical Therapist
  • I just started my therapy on the last Friday and I'm assigned to Jeremy. He's very attentative and professional. Took to All my questions and concerns. And designed a program just for me. Saw Jeremy on the 6th and 11th and then saw Becky on the 13th. She to was very on point!!! They are necessary for my success!!!!!!!
    Gwendolyn Jones Treated by Physical Therapist Jeremy
  • Very professional staff. Very friendly. Dr. Brussard has an impeccable reputation. He was very tuned in to my problem with my knee. Answered questions. After 8 years of knee issues I go for surgery at the end of the month. Looking forward to getting my life back.
    Heidi Parker
  • I went in as a walk in yesterday after 5pm. My doctor recommended that I go at that time. When we arrived the front desk rep came out with a wheelchair to help me in the building. They were very friendly at the front desk. The check in is a little too much, but I was in the back quickly. (After hours is best.) The nurse, x-ray tech and PA were kind, friendly, and patient with me because I had a lot of questions and concerns. My fiance is a talker and they even entertained him. I have to say the experience was great. I recommend after hours 5-7 weekdays.
    Darcelle Hunter
  • Dr. K saved my sister's life. Treated her like a queen.
    Theresa Ward
  • Very friendly and knowledgeable.
    Shawnna Dunn