Payment Options

Panhandle Orthopaedics offers payment options for the convenience of our valued patients and customers. In addition to the option of sending checks through the mail, we offer alternative payment methods that may better suit your needs.


CareCredit® - No Interest Payment Plan

We have partnered with CareCredit to give patients more options when making medical related payments. They offer a range of plans with low minimum monthly payments that fit comfortably into every budget - with no annual fees. Visit their site to learn more.

With CareCredit you can:
- Start treatment and care immediately and pay over time with low monthly payments.
- Pay for other healthcare expenses without having to reapply.
- Pay for co-payments, deductibles, and treatment and care not covered by insurance.

For more information about either the CareCredit or PayPal options,
please contact us at (850) 398-8480.

Payment Definitions

Deductible: A fixed dollar amount during the benefit period (usually a year) that an insured person pays before the insurer starts to make payments for covered medical services. Plans may have both per individual and family deductibles.

  • Some plans may have separate deductibles for specific services. For example, a plan may have a hospitalization deductible per admission.
  • Deductibles may differ if services are received from an approved provider or if received from providers not on the approved list.

Co-Payment: A form of medical cost sharing in a health insurance plan that requires an insured person to pay a fixed dollar amount when a medical service is received.
The insurer is responsible for the rest of the reimbursement.

  • There may be separate copayments for different services.
  • Some plans require that a deductible first be met for specific services before a copayment applies.

Co-Insurance: Instead of, or in addition to, paying a fixed amount up front, the co-insurance is a percentage of the total cost that an insured person may also pay.

  • For example, the member may pay 20% of the cost of a surgery over a copayment, while the insurance company pays the other 80%. If there is an upper limit on coinsurance, the policy-holder could end up owing very little, or a great deal, depending on the actual costs.