Financial Assistance

Working to help make your healthcare affordable.

Financial Assistance

Habersham Medical Center is a not-for-profit primary acute care hospital. We provide a wide range of inpatient and outpatient services, including obstetrics, to residents of Habersham County and surrounding counties. To meet the financial obligations of our facility, and comply with local, state and federal laws, the following policies and practices are in place:

Habersham Medical Center will file claims for Medicare, Medicaid (GA), Blue Cross, Commercial, CHAMPUS, Workers’ Compensation, and auto/accident liability. To correctly file your claim, you must present accurate insurance information at the time of registration. It is the responsibility of the patient, guarantor, or legal representative to know if your insurance participates with Habersham Medical Center. Charges quoted at the time of service are estimates only and may not be exact. If you receive services out-of-network, you will be held liable for payment. It normally takes insurance 45 days to process your claim and pay Habersham Medical Center. If Habersham Medical Center does not receive payment within that time, we ask that you contact your insurance company. 

Insurance Verification, Pre-certification, Co-Payment and Co-insurances
Habersham Medical Center verifies benefits, co-payments and co-insurances for all inpatient services and many outpatient services. Co-payments and co-insurances are expected at the time of service. If pre-certification is required by your insurance company for the services that you receive, Habersham Medical Center will attempt to obtain it for you. If pre-certification has not been obtained but is required, you may be asked to sign a liability waiver before services are rendered. Ultimately, it is the patient’s, guarantor’s, or legal representative’s responsibility to inquire about and obtain precertification.

Non-covered Services or Charges
It is the patient’s, guarantor’s or legal representative’s responsibility to be familiar with their health plan and any services or charges that may not be covered by insurance. Please be advised that Medicare will not cover tests that are not medically necessary, drugs that can be self-administered, or non-emergent ambulance services. Non-covered charges will be the patient’s liability. 

Separate Bills

Depending on the services you receive at Habersham Medical Center, separate  bills may be sent to you from our partner providers including but not limited to:

  • Gainesville Regional Pathology Associates
  • Georgia Emergency Department Services
  • Total Care Anesthesia

Non-emergent, elective and cosmetic procedures
Payment is expected at the time of service for all non-emergent and elective procedures. Cosmetic procedures require pre-payment.

Financial Assistance
Habersham Medical Center offers a financial assistance program based on family size and verified household income.

Financial Application

Financial Application – Spanish

Charity And Indigent Policy

Charity And Indigent Policy – Spanish


I could not ask for better care!

Mary Gatson


Professional, Competent, and Personable. This has been an absolutely wonderful healing experience. Keep up the good work!

Diane Mize


I had a great experience with my Rehab therapy. All the staff are professional, courteous, and prompt.  Ben is fantastic and helped me finally get relief from pain!

Tracy Stephens


HMC Physical Therapy has been my lifeline following spinal cord surgery. Through their efforts and with their skill, my mobility has improved and my prognosis is much brighter! Thank you HMC!

Susan Campbell


I am so thankful and cannot thank everyone in the Emergency Department enough for their loving care over my wife. I have nothing but the highest praise for Habersham Medical Center. You are the best!

Chris Egeland


I have no other word to say except, “Awesome!”. I do not think I have ever been treated with such kindness and concern as I was in the Habersham Medical Center Emergency Department.  I will never forget the experience I had.

Debbie Whitfield


Habersham Medical Center Internal Medicine and Geriatrics has the best Doctors, Nurses and staff! They are so caring and do everything to make sure you get to feeling better. I would recommend them to anyone!

Brenda Law