We make every effort to keep down the cost of your medical care. Because the billing process has become so expensive and because we all wish to keep medical costs as low as possible, PLEASE PAY FOR OFFICE VISITS, AT THE TIME THE SERVICE IS RECEIVED. Patients with Medicare or Managed Care pay in accordance with the laws or contracts governing those plans. It is the patient's responsibility to bring to our office his/her insurance card and insurance information.
After you have been seen by your doctor, you will proceed to the CHECK-OUT desk. The person at the CHECK-OUT desk will compute your bill and request payment. Note: Patients are required to pay their co-pay prior to seeing the doctor.
We will complete an insurance claim and file it on your behalf.
Services requiring larger fees can impose a burden on the financial resources of many people. Therefore, we do accept insurance assignments for these services provided you give us complete, accurate insurance information and we are able to verify your coverage before services are provided. Our Pre-Certification personnel will help you to take care of this.
While we are happy to help you receive the maximum benefits allowed by your insurance carrier, bear in mind that it is your responsibility to pay as a deposit any deductible amount, coinsurance or any other balance not paid by your insurance company, prior to receiving services. Even though we assist you in receiving reimbursement from your insurance company, please understand that you, the patient, ultimately have the final responsibility for your bill.
If you have no insurance and need help, our Business Office personnel will help you to work out an agreeable payment program.
We do not accept assignment in the case of liability actions. A liability action against someone else is not a reason for delaying payment of your bill. Payment of the bill is the responsibility of the person receiving treatment, not the person being sued who may or may not win the litigation. For these reasons and because lawsuits are often protracted (3 to 5 years), we ask that our bill be paid promptly. We will, of course, furnish your attorney with your medical record provided a signed release accompanies your request.
If you have any questions about our FINANCIAL POLICY or your health care insurance, please call our Business Office.
We accept assignment on Medicare claims. Medicare patients will be required to show proof that they have met their deductible for the year, and to pay their portion at the time of the visit. Note: we must wait for Medicare to process claim then bill patient for their portion.
In addition to the traditional insurance carriers and Medicare, we are contracted with several Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO). Because each plan is different, refer to your insurance handbook for specific requirements for office visits or surgical procedures. As a rule both HMO's and PPO's require you to pay a "co-pay" usually $10.00 to $20.00, each time you visit a doctor.
PPO's require you to see only physicians who are contracted with the PPO. If you are uncertain about a physician's participation, go to our web Patient Information tab and click on Insurance Information to review our current list of insurance plans with whom we are under contract. You can visit any doctor that participates in your PPO without prior approval. However, some procedures require advance approval, but we will help you to obtain that authorization when we know what treatment you require. Patients in PPO's should bring proof of having met their deductible.
We will complete documentation for patients requesting time off for medical reasons. Family Medical Leave Papers (FMLA) are not reimbursed by insurance. The patient is required to pay $25.00 before the forms will be completed. Disability papers which are much more complicated will cost the patient $75.00. Payment for disability papers will be required in advance as well.