The Purcell Clinic understands that the cost of healthcare is a key concern for our patients. Although patient care is our main priority, we hope that you assist us by understanding your responsibility as it relates to our Financial Policy. If you have any questions regarding our Financial Policy, please notify a staff member, they will be glad to assist you.
Full payment of patient obligations is due at time of service.
We accept cash, checks credit, debit card and credit card on file (Which is an encrypted site for you to make payments).
All co-payments are expected at time of check in. The required co-payment is determined by electronic validation of insurance made by our staff by website or phone call. If you feel as though your co-payment is different than what you are being asked to pay, please notify our staff prior to payment.
If your insurance has a high deductible/co-insurance you will be asked to pay a minimum amount of $20.00 at the time of registration even if you are on a payment plan.
Newborn Patients-Activating Policy
Newborn patients require activation of their insurance policy based on their parent and/or guardians. It is the responsibility of the parent(s)/guardian(s) to contact their insurance provider to ensure the patient is activated in a timely manner. If the patient is not activated under an insurance policy within the timeframe your chosen policy allows for us to file claims, you will be responsible for the balance.
Your insurance policy is a contract between you and your insurance company. We are not a party to that contract. In the event that we do participate with your insurance, please be aware that some, and perhaps all, of the services provided may be non-covered services under your plan, and you will be 100% responsible for these charges. It is your responsibility to:
- Ensure that our physicians actively participate with your insurance company.
- Know your benefit coverage, as well as your dependents, prior to receiving services.
- Ensure that all-pre-approval requirements are met to avoid denials or out of network benefits.
Please remember that we must receive and confirm your billing information at the time of each visit in order to meet claims submission guidelines set by your insurance plan. If either the practice or the plan fails to receive accurate information to process your claim, you will be held responsible. The Purcell Clinic is considered an "in-network" provider with many insurance plans, however, in the event that we are not an "in-network" provider, you will be responsible for any additional charges.
Your financial summary is summarized as follows:
- Denied and non-covered services
- Services deemed not medically necessary by your insurance company
- Co-payments, deductibles, co-insurance
- Pended claims due to lack of patient and/or guarantor information
- Non-insurance and/or out of network benefits
If you fail to receive an Explanation of Benefits (EOB) from your insurance company within 45 days of treatment, we suggest you contact your insurance plan to determine why. After 90 days we have the option of moving the charges for that visit to patient responsibility and you may be required to may other payment arrangements.
Out of Clinic Services
At times, The Purcell Clinic may need to send a patient to an outside provider to obtain diagnostic testing and/or additional services (labs, imaging, and/or referrals are examples). These additional services will be billed to your insurance seperately. If you have questions about additional costs from these services, please notify your provider prior to obtaining the services. The Purcell Clinic will coordinate with referred to sources for any pre-certifications or prior-authorization requested from your insurance company. However, it is not guaranteed that your insurance company approve these requests. It is the financial party representitive's responsibility to ensure that the patients insurance policy covers additional services outside of The Purcell Clinic.
Self Pay Patients
The Purcell Clinic will not deny any patient treatment due to being uninsured or the inability to pay. The Purcell Clinic offers a Sliding Scale Fee Discount Program for those who are uninsured, under-insured, and are able to provide the required income releated documents. Please see a receptionist for more detailed information.
In the event that you do not have insurance, the balance for the treatment performed that day is your responsibility and must be paid prior to services.
The Purcell Clinic reserves the right to send any unpaid balances to collections or small claims court. Our billing department sends statements every 3 months based on care that is provided. We are willing to work with all patients on a payment plan or other arrangements, however if these payment plans and/or arrangements are broken at any time, The Purcell Clinic reserves the right to resubmit remaining balances to collections and refuse future establishment of payment plans.
The Purcell Clinic does not involve itself in domestic issues. The person bringing the patient to the visit is primarily responsible for for the payment of services (co-payment, deductible, or self pay fees). Please make the proper arrangements with those who you allow to bring the patient to their appointments.