Our Financial Policy:
Our office has established procedures that maintain quality care and reasonable cost for our patients. Charges for your exam, x-rays and any other diagnostic aids obtained during your first appointment are due at that time. These fees will be filed to your insurance. Any payments received by your insurance for these charges will be applied to your account if there is a current balance, or a refund will be issued to you. If your surgery is not covered by insurance, or if you desire to have your exam and treatment performed on the same day (i.e., emergency patients), we will require payment in full by cash, credit card, personal check, or cashier’s check prior to any treatment. The fees quoted are an estimate only. If the procedure proves to be more complex than anticipated, the fees will be adjusted accordingly. The stated fees will be honored for a period of 6 months. After that period, you may be required to be seen for an updated exam prior to surgery, which may be an additional cost.
Your Insurance Coverage:
As a courtesy to you, we will file your insurance claim, and we will accept payment of insurance benefits after your first visit. However, based on what your insurance company reports to us, we do require that your estimated portion, including any deductible of treatment, be paid at the time of surgery. If your insurance company has not paid your account in full within 60 days, the account will be due, and you will be sent a statement requiring payment of the balance within the next 10 business days. Once all insurance benefits are received, we will gladly reimburse you any overpayment. We must remind our patients that insurance is a contract between you and your insurance company to pay certain amounts for medical care. Your bill is a contract between you and your doctor and does not involve the insurance company, even when we file the insurance claim for you. In short, you are responsible for any and all charges not paid by your insurance carrier, and your financial obligation for payment is not dependent on insurance coverage.
Regarding Managed Care Plans for which we are a participating provider, all co-pays and deductibles are due prior to treatment. In the event that your insurance coverage changes to a plan for which we are not participating providers, refer to the above paragraph. If you have Medicare, you must sign a “private contract” showing you will be responsible for all charges. As a service to our patients, we are pleased to participate in the following credit plans: Care Credit and Lending Club.
Usual & Customary Rates:
Our practice is committed to providing the best treatment for our patients, and we charge what is usual and customary for our area. You are responsible for payment regardless of any insurance company’s arbitrary “schedule” of fees, which
often bears no relationship to the current standard and cost of care in this area.
Delinquent Accounts:
All accounts which remain unpaid after the aforementioned period of time will be sent to our collection services. We realize that temporary financial problems may affect timely payment of your account. If such problems arise, we encourage you to contact us promptly for assistance in the management of your account.