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Payment policy
For plans that we participate in, or for procedures costing more than $100, we will collect the copay or deductible and submit a claim. For other plans, we will provide an itemized receipt that you may attach to the claim form required by your insurance company. However, the final responsibility for payment remains solely with the patient.

 

For those plans with which we do not participate, we expect that fees will be paid at the time the service is rendered. When sudden illness or an emergency arises, it is understandable that you may not be prepared to pay at the time for the visit. In these cases, you will be provided with a return envelope, and we request payment be made within 14 days.

 

There is a $5 to $10 charge for completing most forms. If you fail to keep a scheduled appointment, we will send you a letter stating that there is a $25 charge for missing future appointments. There is also a $5 charge added to monthly bills after the first two billings.
We accept cash, checks, Mastercard and Visa for payment. There is a $15 fee for returned checks.

 

We only file insurance claims secondary to Medicare for plans we participate with. Many plans crossover from Medicare to a secondary plan automatically. Your Medicare Explanation of Benefits will tell you if your claim has been sent to your secondary insurance. As part of our contract with South Central preferred, we do not file any secondary claims to them.

 

Copays
If your insurance plan mandates a copay, this must be paid at the time of service. This is a requirement of managed care insurance.

 

Insurance changes
It is VERY important that you inform the secretary of any insurance changes BEFORE your visit. Some insurance plans require that services be billed in special ways. Other plans do not cover certains services. There are some insurance plans that we do not participate with, nor file claims for. Some managed care plans that we do not participate with, and some Workers Compensation plans, will not cover not reimburse you for any services provided in our office. We cannot tell you how your insurance will work, or what it will cover, if we do not have your correct insurance information.

 

Non-covered Services
Some medical services are not covered by insurance plans. This varies considerably from plan to plan. Some common non-covered services are:
  • School physicals
  • Camp physicals
  • Work physicals
  • Driver's physicals
  • Cosmetic removal of skin lesions
  • Immunizations for foreign travel
Whenever possible, we will try to advise you about non-covered services. However, because of the varied and changing policies of insurers, we will not always know for sure whether a service will be covered. The patient will be responsible for any non-covered service.

 

Financial Hardship
If you are going through a time of financial hardship, please discuss this with your provider or the office staff.