Patient Financial Policy
Thank you for choosing our practice for your care. We are dedicated to providing the best possible care and service to you and regard your complete understanding of our financial policies as an essential element of your care and treatment.
Your insurance policy is a contract between you and your insurance company. It is your responsibility to know your own coverage.
We accept and will file claims for all insurances as a courtesy to our patients. This does not mean we participate with all plans. Insurance companies are continually adding new policies and sometimes limit which providers may be in-network. If you have any concerns regarding participation, we suggest you contact your insurer directly.
As we are specialists, some insurance companies require a referral from your primary care physician. It is your responsibility to know if a referral is required and to obtain it before your appointment.
Please contact our office to verify acceptance of your insurance plan. Qualifications for insurance coverage may differ due to the uniqueness of each procedure. We are happy to file insurance for your reimbursement, including secondary and tertiary insurances.
Charges for consultations, office visits and procedures are determined by the time spent with your doctor and the complexity of the problem or procedure.
The fees which are due at the time of service include co-payments required by your insurance, payments for services your insurance does not cover, or visits made without obtaining an authorization when it is required. Our full fee is due if we do not participate in your particular health plan. Check with your plan to verify we are in-network or if arrangements exist in your plan for out of network charges.
We accept personal checks, MasterCard, Visa, Discover and American Express and of course, cash. Payment options can be arranged by contacting our office.
When we are in your insurance network, your personal balance beyond deductibles and co-payments is due after insurance has paid its portion. Monthly statements are sent for personal balances due. Appeals are to be directed to your insurance plan if you believe the plan has unexpectedly denied coverage or an issued an unfair payment. You may request a notice from your provider about how your insurance covered the claim.
Please understand that your insurance policy is an agreement between you and your insurance company to pay certain amounts for medical care. Filing your insurance is not a guarantee of payment for service(s) performed. Your physician’s bill is an agreement between you and your physician.
We accept cash, personal checks, MasterCard, Visa, American Express and Discover. Please be aware there is a $60 fee for returned checks.
For patients with financial need, we may offer no-interest payment plans. Please contact our billing office immediately upon receipt of your statement to avoid collection letters for non-payment.
While we strive to collect only the proper amounts due and promptly post payments received, there are times when overpayments occur. It is our policy to refund most overpayments within 30 days of receipt: If you have an upcoming appointment within 3 months, a refund will not be issued until that visit has been processed. Refunds under $5 will not be issued, unless by request.
If your account is in bad debt status, a payment is required prior to your appointment and arrangements can be made for a payment plan until your account is made current.