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The following payment policy explains our financial policies. A copy will be provided to you upon request.
1. Insurance. We participate with most major insurance plans including Medicare. If you are insured by a plan we do not participate in, payment in full is expected at each visit. Contact your insurance company with any questions you have regarding your coverage. This is your responsibility.
2. Co-payments and Deductibles. All co-payments and deductibles must be paid at the time of your visit. This is part of your contract with your insurance company. Failure on our part to collect co-payments and deductibles from patients can be considered fraud. Please help us in upholding the law by paying your co-payment at each visit.
3. Non-Covered Services. Please be aware that some of the services you receive may not be covered by your insurance plan. You must pay for these services at the time of the visit.
4. Proof of Insurance. All patients must complete our patient information form before seeing the physician. We must obtain a copy of your current insurance cards. If you fail to provide us with the correct insurance information in a timely manner, you are responsible for the balance of the claim.
5. Claims Submission. We have a billing service that submits your claims and assists you in any way we reasonably can to help you get your claims paid. Your insurance company may need you to supply certain information directly. It is your responsibility to comply with their request. Please be aware that the balance of your claim is your responsibility whether or not your insurance company pays your claim. Your insurance benefit is a contract between you and your insurance company. We are not party to that contract.
6. Coverage Changes. If your insurance changes, please notify us at your next visit so we can make the appropriate changes to help you receive your maximum benefits. If your insurance company does not pay your claim in 90 days, the balance will automatically be billed to you.
7. Nonpayment. If your account is over 90 days past due, you will receive a letter stating that you have 30 days to pay your account in full. Please be aware that if a balance remains unpaid, we may refer your account to an outside collection agency and your immediate family members may be discharged from this practice. If this is to occur, you will be notified by regular and certified mail that you have 30 days to find alternative medical care. During that 30-day period, our office will only be able to treat you on an emergency basis. Please notify us if there are circumstances that do not allow you to pay your balance in full and we can make other arrangements with you. If we do not hear from you we will expect payment in full. | 
