Financial Policies

We recognize the need for a definite understanding between patient and physician regarding financial arrangements for medical care.

Responding to this need and upon advice of our financial counsel, the following Financial Policy will be effective for our patients, immediately:

1. All charges incurred for services in the office will be due and payable at the time service is rendered.  Exclusions to this policy will be those patients whose primary health insurance carrier is Medicare, a Health Maintenance Organization or Preferred Provider Organization (which pays the physician directly for services) or those patients who are being treated for an Industrial claim.
   
2. Any co-payment amount is due and payable at the time of service.  For patients who have deductibles that have not been met, we will collect $75 at the time of the office visit.
   
3. All charges for services incurred outside the office will become due and payable 60 days from the date of service. This period of time allows sufficient time to process insurance and to make payment in full of any balance remaining after payment by the carrier.  Exceptions to this policy would be the same exclusions listed in item 1 above.
   
4. Insurance forms for services rendered will be completed by our office. The charges submitted to the insurance carrier will become due and payable 90 days from the date of service. In the event of duplicate payment on the account by the insurance carrier and the patient, the overpayment will be refunded to the patient immediately.
   
5. For those patients who are eligible for Medicare, we have joined the Federal Medicare Participating Physician Program. As a "Participating Physician," we will accept assignment on all services covered by Medicare. This means we will accept the approved amount as our payment in full, writing off Medicare's non-approved portion of our charges to you. Medicare will send a check to our office for a percentage of the approved amount, minus any deductible you are responsible for. If you have supplemental insurance coverage that will cover the portion of the approved amount Medicare does not pay, please make certain we have a copy of your insurance card (front and back) and one of your company's insurance forms.  Although we will accept assignment for Medicare patients, the patient will be responsible for any portion of the approved amount not covered by Medicare or a secondary insurance carrier. 
   
6. Regular patients who are involved in auto accidents will be treated in our office. We are unable to monitor long term accounts and will require payments by the patient once a reasonable period of time has passed.
   
7. The responsibility for payment of service rendered to minor children whose parents are divorced rests with the parent who seeks treatment. Any court ordered responsibility judgement must be determined between the individuals involved without the inclusion of our office.
   

It is our hope that the above financial policy will allow us to provide quality care to our valued patients. If you have any questions or need clarification of any of the above policies, please do not hesitate to contact our office.