We are now a Credit Card on File Clinic

Happy Heart Pediatrics Credit Card on file.

Happy Heart Pediatrics PLLC is committed to reducing waste and inefficiency and making our billing process as simple and easy as possible. Starting January 31, 2023, we now require that you provide a credit card on file with our office. We run our payments through our HIPAA-compliant, secure practice management software Athena. When you come in, we will scan your card with a card reader. Your payment information is stored on Athena’s secure servers for future transactions. Office personnel will not have access to your card. For your protection, only the last 4 digits of your card will show in our system. 


Credit Card on File will be used to pay account balances after insurance adjudication. Once your insurance has processed your claims, they will send an Explanation of Benefits (EOB) to both you and our office showing what your total patient responsibility is. You typically receive the EOB before we do, so if you disagree with the patient responsibility amount owed, it is your responsibility to contact your insurance carrier immediately. 


If you are needing a payment plan for your account balance please contact our office within five days of receiving your first statement. On the fifth day after receiving your first statement, your account balance will be charged in full if no payment plan has been agreed upon with our office. We offer 2, 3, and 6 month payment plans. Ultimately it is your responsibility to pay your account balance but we will be happy to discuss any available options you might have as long as you do so promptly.


If you have any general financial question please see Happy Heart Pediatrics PLLC financial policy on our website or in our office. 



  • During the time you leave a credit card on file, if it expires or otherwise becomes uncollectible, we will expect you to promptly provide a new means of payment.  
  • Credits on your account after your insurance claim has been adjusted will be returned to the credit card on file when requested.  
  • Ultimately, you are responsible for knowing what services are covered, how often, and how much of the cost is your responsibility. You will be responsible for any portion of services that your insurance does not cover.  
  • To avoid any issues of discrimination or favoritism; all patients will be required to have a credit card on file regardless of insurance or visit type.



When I booked my appointment, the receptionist told me I have to keep a credit card on file with the office. I’ve never heard of that before. 


This is not surprising that this is new to you, as it is not yet the norm in this area. Credit Card On File (CCOF) is the new standard in the healthcare industry nationwide since about 2016, and soon all of the high quality medical practices will adopt it. Insurance reimbursements are declining and the expectation is that health care providers find ways to become more efficient. This year with the Affordable Care Act and the Health Exchanges, we are seeing a massive increase in patient deductibles. These factors are driving many doctors’ offices to either squeeze more patients into shorter periods of time or to stop accepting insurance. We have decided to focus on becoming more efficient instead.


How does CCOF work? I’m nervous about giving up my sensitive financial information.


Your card information is securely protected by the credit-card processing component of our HIPAA-compliant practice management system. This system stores the card information for future transactions using the same sort of technology that credit card company’s use. We cannot access the entire card number – we only can see the last 4 digits. There is no way to export the card information out of our system. We can only use it to process a payment in our practice management system, which creates an indelible record (one that cannot be deleted).


How the credit card on file system works to drive down administrative costs.


Our staff will now spend less time entering credit card information for each transaction. We also don’t have to send out as many statements, which saves trees, money and time. Once your CCOF is in our system, check-in and check-out time is much shorter for you as well.


I always pay my bills on time. Why do I have to do this? 


The entire billing process is wasteful but the few patients that we have to bill multiple times or even send to a collections agency do cost us a lot of time and expense. Reducing unnecessary costs is essential for us to continue to accept insurance and Medicare. This new process dramatically cuts down on the administrative costs associated with billing.


Nothing is changing about how much you pay. When you come into our office and receive a service, you do so with the understanding that you are ultimately responsible for the cost of your care. We bill your insurance company for you, and we have contracts with most insurance companies that help to get you the best possible coverage for your care. CCOF will only cover your responsibility after your insurance pays its contracted share.


How does the CCOF process benefit patients?


First and foremost, it is far more convenient for you – you don’t have to call the office or buy a stamp or worry about getting around to paying the bill. It takes the hassle out of the process, especially for patients who have HSA cards to pay for their medical care. If you get your statement and want to use a different card, pay by check, or discuss a payment plan, you may still do so as long as you do so promptly.


What if there is a problem with my bill and I don’t notice it until after the payment processes?


We hope that this doesn’t happen. And although we love technology in this office, we routinely review the accuracy of claims processed by insurance and will contact you if WE find a problem. But, if you find a problem, call us and we’ll investigate it. If we owe you money, we will refund it promptly to the same card.