Question: Why am I receiving more than one bill for the same surgery?

Answer:  The bill from Memphis Surgery Center is the Facility Fee.  There may be several healthcare practitioners providing services during your surgery at MSC.  You MAY receive charges from the following:

  1. East Memphis Anesthesia Services – Anesthesia provider
  2. American Esoterical Laboratories – Laboratory testing
  3. Trumbull Labs / Pathology Group of Mid-South
  4. DJO – Durable Medical Equipment
  5. Radiographics – Special Xray
  6. Your surgeon’s office – His/her fee for performing your surgery.
  7. Your pathologist – Services for tissue specimens removed during surgery that requires further examination.
  8. An extended home health care service if required.

Question: What type of credit cards do you accept?

Answer: We accept all major credit cards such as Visa, Mastercard, Discover, American Express and CareCredit.  You are welcome to visit the CareCredit website at: to pre-apply for their services before your date of surgery.

Question: When should I expect my first bill?

Answer: We will bill you any balance due after your insurance company has paid your claim.  There may be a delay if your insurance company has paid us incorrectly and we have re-submitted your claim for a corrected payment and allowance determination.

Question: Do you charge interest?

Answer: No

Question: Are we able to set up a payment plan?

Answer: We do ask that all balances are paid in full within 90 days.  If you encounter problems paying within the 90 days, please contact our Billing Office immediately at 901-682-1516 and ask for the collections department.

Question: What is included in my bill?

Answer:  We are dedicated to reducing the cost of your medical care.  In fact, we do not itemize invoices since most procedures have established charges.  You will receive separate invoices from us, your surgeon, CRNA, and anesthesiologist, or pathologist.  Some specialty items may require additional charges.

Question: Will you accept personal checks?

Answer:  You will be contacted prior to your surgery with an estimated procedure cost for your surgery.  Payment in full is expected prior to services being rendered.  Methods of payment accepted for Self Pay Surgery are: cash, money order, cashier’s check, and all major credit cards. Personal Checks are not accepted for Self-Pay Surgery or for Cosmetic Surgery.

Question: What is your credit and payment policy?

Answer: See our Credit and Payment Policy here.
Full payment is due within 60 days of your surgery.  Elective and cosmetic surgery procedures must be paid in full prior to services being rendered.

We strongly encourage you to personally contact your insurance company about your upcoming surgery.  It is mandatory that YOU, as the insurance subscriber, confirm that all prior authorization information necessary to your specific policy is completed before your surgery date.  You may be penalized by your insurance company if you don’t follow your policy guidelines.  You must understand what your benefits cover and how this may affect you financially.

We will submit insurance claims for you.  We may request that your coinsurance and copay amounts are paid on or before your date of surgery.  You will receive a phone call from us regarding the amount to pay.  Self pay accounts are asked to pay 100% of the total estimated procedure on or before the date of surgery.

If you anticipate difficulty in paying your bill within the 60-day period please let us know immediately.

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