Payment and Insurance Information
INSURANCE / PAYMENT
We participate in most insurances however, to be sure that yours is accepted please contact our office to verify. Reading the FAQs below may also be helpful, and if you need further information please contact our office.
DO YOU BILL MY INSURANCE COMPANY FOR ME?
We will file your insurance claims for you to your Primary Insurance Carrier. We accept assignment on most, but not all, insurance plans. This means we will bill the insurance company and once they pay us their portion of the allowed amount, we will then bill you, the patient, any remaining patient responsibility.
WILL YOU TELL ME WHAT MY INSURANCE COVERS?
We will call to verify your benefits prior to your first visit. You must remember though that verification is not a guarantee of payment. What does this mean? It means that any information an insurance company gives us over the phone or via the internet stating benefits for a patient could possibly be different than what that plan covers when the claim reaches them. Bottom line – if “Sue” from Blue Cross tells us that you do not have a co-pay, then your claim processes and you do have one, it is out of our hands. We rely on getting accurate information from your insurance upon verification of benefits – but that information is never guaranteed.
WHAT SHOULD I BE DOING?
Being informed about what your insurance covers is an important first step. The insurance policy is a legal contract between the policy holder (you) and the insurance company. It is important for patients to know and be familiar with your own benefits as well as any restrictions and limitations that may apply. Ultimately, you (the patient) are responsible for knowing what your insurance company covers and what requirements they have for treatment (e.g., referral requirements, deductibles and co-payments). Keep yourself informed about your insurance coverage so you won’t be blindsided by a bill once they start to pay your claims.
CAN YOU WAIVE MY CO-PAYMENT AND/OR DEDUCTIBLE FOR ME?
It is illegal for us as contracted providers with your health insurance to waive co-payments or deductibles. These must be collected appropriately according to your health insurance contract and are due at the time of service. If there is a financial hardship situation, arrangements with the billing office must be made prior to treatment.