Insurance/Billing

Health insurance can be baffling. It seems to get more complicated every year. As a service to you, we help navigate this maze by submitting a claim with supporting medical documentation to your insurer and postponing any bill to you until we hear from your insurer. We can only offer this assistance, however, if you provide us with current and accurate information on your policy. We participate with all major and nearly all minor insurance carriers that serve this area. By participating, we agree to accept an insurer’s determination of allowable fees for our services. That means we will not bill you for any difference between our standard fees and your insurer’s allowable fees. What your insurer actually pays may be significantly less than what their allowable fee is. The difference is often due to deductibles and co-pays. We will send you a bill detailing what you owe as soon as we get a response from your insurer. Your insurer also may refuse to pay some charges or your entire bill due to various exclusions that may exist in your contract. These exclusions do not diminish your financial responsibility to pay for medical services we provide. We ask that you pay for excluded services on the day of service. In exchange, we offer a 15% discount. We encourage you to investigate the details of your policy, particularly before proceeding with surgery. Here are some of the things to look for in your policy:

• Is there a required waiting period?
• Is there a requirement for a second medical opinion?
• Are preexisting conditions covered?
• Are certain conditions not covered?
• Are there deductibles that you must pay, and if so, how much?

Please contact your insurance company to verify your coverage. If you need assistance after checking with your insurer, our billing specialist Cindy will be happy to help in any way she can. No Insurance? If you have no insurance coverage, payment will be expected at the time of service. We make an effort to keep our fees reasonable. It sometimes happens that needed medical care can’t be afforded all at once. We are willing to work with you to set up a payment plan. Our billing specialist, Cindy, will be happy to discuss this with you. Our Credit Policy Prompt payment of any account balance is expected. We will send you a statement of any outstanding balance monthly. If unexpected financial problems prevent you from paying promptly, please contact our billing specialist, Cindy, to set up a payment plan. If we don’t hear from you, we will assume your account is delinquent. In which case, it will be turned over to a collection agency.