Our
objective is to provide you and your family the highest quality
of care at a reasonable fee. This depends greatly on your understanding
of our financial policy. If you have medical insurance, we will
file insurance claim forms on your behalf. We handle this as
a courtesy to our patients and are anxious to help you achieve
the maximum allowable benefits from your insurer. With the advent
of "managed care", it has become increasingly difficult
for us to secure payment for our services, and your active participation
in the insurance claims process is necessary. Please remember
that your insurance policy is a contract between you and your
insurance company. We sincerely appreciate the trust that you
have placed in our physicians and staff. If you have any questions
about our policy, please don't hesitate to ask.
Preauthorization
and Verification
We
make every effort to comply with your insurance company's requirements.
Eligibility verification, benefits determination, referral/precertification,
and medical necessity are examples of these requirements. Your
insurance plan may approve a service but then refuse to pay.
They may demand a refund up to three years after your service,
and you will become responsible. If you get a statement and
don't know why, please call our office and speak to a cashier
or patient accounts staff member.
Medicare
and Medicaid
These
programs are regulated by state and federal laws that determine
which services are covered, the amount paid, and your responsibility.
You will be billed only for services that are not covered by
your plan or for any copay, deductible or coinsurance.
If you have supplemental insurance, please let our receptionist,
cashier or patient accounts staff member know.
Insurance
Companies
We
generally are contracted, "participating providers",
with most insurance companies. The insurance company reimbursements
are based on a negotiated, discounted fee schedule. You are
responsible for your co-payment and deductible according to
your plan. In most cases, we are obligated to accept these fees
as payment in full. However, your insurance company may determine
that your service was not a covered benefit or "medically
necessary". You will be responsible for payment for these
services as appropriate.
