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Billing and Insurance


What is a Visit Receipt?

A Visit Receipt summarizes your ZoomCare visit and estimates any remaining charges before insurance reviews your claim. Visit Receipts may be updated with new charges after of your insurer’s review. We post all of your Visit Receipts to your Timeline.

Why do I have an outstanding balance?

An outstanding balance occurs when your insurance company determines you’re responsible for additional charges for your ZOOM+Care visit. We verify your insurance coverage before you arrive in-clinic, and you pay before you leave. However, once your insurer reviews the claim for your visit, they may retroactively adjust the services' cost.

Common reasons you could receive an additional bill from ZOOM+Care include:

  • You haven’t met your insurance plan’s deductible.
  • Upon review, your insurer determined certain services we provided aren’t covered by your plan.
  • Your insurer denied your claim because of a lack of coverage, meaning you’d be responsible for the full cost of the visit.

Have benefits or coverage questions? Contact your insurer. For a full billing statement of your visit, email us at

Why is my Visit Receipt an estimate?

We call your Visit Receipt balance an "estimate" because the total cost of your visit may change after your insurer reviews your claim. We'll email you if the amount you owe changes.

How will I be notified if my Visit Receipt changes?

If the amount owed changes, we email you directly. That email will state the new amount owed and will link to an updated Visit Receipt on your Timeline.

I was overcharged. How can I get a refund?

If you believe you’ve been overcharged for your visit, please email us at We’ll gladly look into it.

How can I get a full statement for my visit?

For a full billing statement and breakdown of your visit charges, please email us In your email, include the name of the provider(s) you saw and the date(s) you visited.

Why do you charge my card automatically when my bill is adjusted?

We process all charges automatically (within 24 hours) when your bill is adjusted. That way, you can go about your day and not worry about any outstanding balances!

Why did my payment fail?

Here are a few common reasons why payments fail:

  • Your card is expired.
  • Funds aren’t available
  • Charges were denied by your financial institution.

If you continue to have issues settling a remaining balance, please reach out to your bank for help.

Why did you charge a different card on my account?

If your preferred payment method expired or has insufficient funds, we attempt to charge any additional payment methods on your account. We do this to quickly settle any outstanding balances, so your account stays in good standing. Outstanding balances may prevent you from scheduling future ZoomCare visits.

How can I change my preferred payment method?

Follow these steps to change your preferred payment method:

  • Log in to your ZoomCare account.
  • Select the “More” dropdown.
  • Go to “Account Settings".
  • Select “Payment Methods".
  • Select the preferred payment method.
  • Select “Set as preferred” at the bottom of the page.
Does ZoomCare accept partial payments?

No, we do not accept partial payments. All payments must be made in full.

Who do I talk to if I have a question about my bill?

For questions about your bill, please email us at

How can I pay an outstanding bill?

Outstanding balances will be processed in 24 hours. If you would like to make a payment immediately, give us a call at (503) 684-8252

My billing address changed. How do I update my payment information?

Please follow these steps:

  • Log in to your ZoomCare account
  • Select the “More” drop-down menu
  • Go to “Account Settings"
  • Select “Payment Methods”
  • Select the preferred payment method
  • Update your zip code
  • Select “Save” in the top right corner
How do I pay for my care?

We accept most health insurance, including auto and worker's compensation. Check out our full list of accepted insurance here. We don't take Medicare, Medicaid, Tricare, Travel insurance, EPO, or HMO plans. If you don't have insurance, you can pay the full amount yourself.

When you pay at the end of your visit, you will be charged the estimated amount you owe, and your insurance will be billed for the rest. We accept major credit and debit cards, including Health Savings Accounts (HSA) or Flexible Spending Account (FSA) cards. You can also use your Health Reimbursement Account (HRA).

If your insurer covers less than the estimated amount, you will receive a bill in the mail from ZoomCare for the difference.

Do you take my health insurance?

We accept most insurance, including auto insurance and worker's comp. We don't take Medicare, Medicaid, Tricare, Travel insurance, EPO or HMO plans. If you don't have insurance, you can pay out of pocket. Check out our full list of accepted insurance here.

When scheduling a visit at or with the iOS App, enter your insurance information when asked, "How will you pay?" Your insurance information will be automatically saved so you can easily schedule visits in the future. Your exact coverage will vary based on your plan. Please call your insurer for more information.

Don't have insurance? No problem, you can pay the full amount yourself. Check out our pricing information here.

Why did I get a bill in the mail?

If you received a bill from ZoomCare in the mail, it's most likely because your insurer covered less than we estimated when you paid at check out.

To pay your bill:

  1. Call us at (503) 684-8252 to pay with credit card.
  2. Pay in person at your neighborhood clinic with credit card.
  3. Send us a check to ZoomCare at:
    1455 NW Irving St, Suite 600
    Portland, OR 97209
When will I get my refund if I had to pay in full?

If you're insured and paid in full, we submit a claim to your insurance company after your visit. It can take weeks to months for your insurer to process the claim. If you've overpaid based on what your insurer covered, we'll reimburse you.

If you think we owe you a refund and haven't seen it, please email our Help Team

Why did I get an EOB (Explanation of Benefits) from my insurance company?

Your insurer will send you an EOB (Explanation of Benefits) after they've received a claim for your visit. This is a summary of your visit charges and any amount paid by you and your insurer for the visit. If your insurer covers less than expected, we bill you for the difference.

Where can I find my past invoices?

To find past invoices, go to your Timeline at or the ZoomCare App.

  • Select "Timeline" from the main navigation
  • Log in to your account when prompted
  • Select “Visit Summary” for the relevant visit

You’ll find the invoice attached. Your invoice reflects what you paid at the time of your visit. If you receive a bill after your visit, this will not be in your online account.

Why did I get an email saying my credit card was going to be charged?

When you pay after your visit, we use your insurance information to estimate how much you owe. If your insurer covers less than the estimated amount you paid, we charge your card on file the difference. You'll receive an email letting you know you're going to be charged 24 hours before.

If you need to find out your balance or update your card on file to pay, call us at (503) 684-8252. You can also respond directly to the email if you have questions.

Why did I get charged from ZoomCare Lake Oswego or Tanasbourne?

Regardless of which clinic you visit, our charges (and refunds) show up on your credit card or bank statement as ZoomCare Lake Oswego or ZoomCare Tanasbourne.

Why did a get a bill from LabCorp?

LabCorp is our preferred partner for labs and tests. At ZOOM+Care, most labs and tests are processed at our own lab. For the labs and tests we don't offer, we send your specimen collection to LabCorp. Your results are returned within 48 hours for most tests.

How LabCorp billing works:

  • We send your payment information with your test.
  • LabCorp bills your insurer and their payment.
  • You'll get a bill in the mail if you owe a balance.
  • You pay your balance online at
Ugh, I'm in collections. Now what?

If you're in collections, that means we've tried to contact you four times to pay your balance. We mail three invoices to your mailing address on file and call you. Then, we send you to our partner, QuickCollect. After that, ZoomCare can no longer be paid directly, and you won't be able to be seen at ZoomCare until you've paid your bill.

How to pay QuickCollect:

  • Pay online or call 800-252-6322 to pay with your credit card.
  • After you've paid you'll receive a confirmation code.
  • Email our Help Team a message with the confirmation code.
  • You'll be able to schedule a Zoom Visit.
How do I update my credit card information?

To update your credit card information on

  1. Select a time to schedule.
  2. You'll be asked to confirm your credit card to hold the visit.
  3. Press "Change" and enter your new credit card information.

Update your credit card using our iOS App:

  1. Log in to your ZoomCare App. Download here
  2. Open your account setting.
  3. Select Account Details.
  4. Select Payment and replace credit card.

To update how you want to pay for a bill, email our Help Team.

Are you in-network with my EPO or HMO insurance plan?

If you have an Exclusive Provider Organization (EPOs) or Health Maintenance Organization (HMOs) plan, you can get care at ZoomCare if you pay in full. ZoomCare isn't in-network with any EPOs or HMOs. Contact your insurer for more information.

Why do I have a refund on my card from ZoomCare?

If you've received a refund, it's most likely because your insurance covered more than what we estimated at check out. This could be from a recent visit or a past visit, as insurance payment and refunds can take weeks to months to process.

More questions? Email our Help Team.

How can I pay for my visit?

We accept major credit or debit cards, including Health Savings Account (HSA) or Flexible Spending Account (FSA) cards. Also, if you have funds in a Health Reimbursement Account (HRA), you can use them at Zoom. We do not accept cash, checks, or money orders.

How much do vaccines cost?

For each vaccination, you'll pay for the cost of the vaccine itself—plus an administration fee. If you have insurance, what you pay will vary based on your plan. If you don't have insurance, you can pay in full yourself. Check out our prices here.

How much do labs cost?

If you have insurance, the amount you'll pay for labs varies based on your plan. To find out how much you'll own, please contact your insurance provider. If you don't have insurance, you can pay in full yourself. Check out our prices here.

Why can't I use my insurance to pay for meds I receive during my visit?

ZoomCare providers are licensed and specially trained to dispense on-site medications from the clinic, but we are not licensed pharmacies. Because of this, insurance companies will not pay for your meds. The good news is most on-site medications cost less than most pharmacy co-pays, and we can save you a trip to the pharmacy. Half of our medications are $10 or less, and 5 out of 6 are under $20.

Will my insurance pay for a Sports Physical?

Insurance plans won't pay for a simple Sports Physical. You can pay the full amount of $165 yourself. Contact your insurance provider for more information about your coverage.

How do I bill Worker's Compensation Insurance?

We can bill Worker's Compensation insurance in Oregon, Washington and Idaho (Colorado coming soon).

To bill your employer's workers' compensation insurance when scheduling your visit:

  1. Schedule a visit at or with our app.
  2. When asked "How will you pay?" select "Workers' Compensation."
  3. Enter your manager's name and phone number when prompted.
  4. ZOOM+Care will collect the rest of the information needed from you when you arrive for your visit.

Note: Your employer can't pay for your visit using their personal or business credit or debit card. In Oregon, ZoomCare must be the first place you get care for your injury or illness. We're not able to bill workers' compensation if you've started your care and a claim with another healthcare provider.