Insurance
and Payment Policy
We are committed to providing you with the best
health care possible. If you have health insurance, we are eager
to help you receive the maximum benefits allowed. We have developed
the following policies and practices with respect to payment and
insurance to help achieve these goals.
First, there are some basic matters of which you
should be aware:
As medical doctors, our relationship is with our
is with our patients, and not their insurance carrier. Your insurance
coverage is determined by the contract between you, your employer,
and the carrier. We cannot affect coverage decisions. Questions
about coverage should be directed to your insurance carrier.
Before seeing the doctor, you must provide us
with complete insurance information. Failure to do so will jeopardize
your coverage with HMOs, PPOs and managed care companies, and you
will be responsible for the charges.
Some carriers exclude some services or tests -
such as well woman exams, or thin prep pap tests - from their coverage.
We cannot change your insurance coverage.
Our fees are reasonable and customary for the
locale, considered reasonable and customary by most carriers, and
are covered up to the maximum allowable by those carriers. Occasionally
a carrier wll partially deny a claim on grounds that fees are not
reasonable. We have no control over these actions and cannot adjust
our fees retroactively.
Ordinarily payment for our health services is
due when services are rendered. We accept cash and credit cards
for payment. If temporary circumstances hinder your ability to
pay your account, we encourage you to contact our office for assistance
in the management of your account.
If you are a member of a managed care plan for
which we are a provider, we will file your claim electronically.
Your co-payment and deductible are due at the time of service.
If for any reason your insurance carrier denies coverage for your
claim, you must pay for our services at our regular fee schedule
rate.
It is also important to know that the lab fees
are separate from our fees, as they are not part of this office.
As such, they are subject to co-pays and deductibles.
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