• It is the intention of this office to assist the patient to make informed decisions about their healthcare and related costs. This process is accomplished through periodic financial conversations. It is the goal of this office to ensure that lines of communication are open so that every patient is aware of who in the office can assist with questions of a financial nature. This office recognizes that open and clear communication is particularly important for those patients with third-party assistance of any type. This office’s goal is to ensure that the financial relationship with our patients never interferes with the treatment relationship.
• For your convenience, this office accepts cash, checks, care credit and the following credit cards: Visa, MasterCard, American Express, Discover.
• Should payment be refused by your bank for any check written, this office will charge a fee of $35 to offset the charges we will incur as a result of the returned check.
• This office does not turn away any patient due to their ability to pay. If you feel you might qualify for our financial hardship policy, notify the office immediately so we can begin your qualification process.
• This office offers prompt payment discounts. We offer 10% off the actual fee when visits are set up on autopayment plan and 15% off when visits are prepaid by purchasing a package.
• It is our office policy that payment for services rendered is ultimately the responsibility of the patient, whether or not you have third party assistance with your financial obligation.
• It is the policy of this office to clearly communicate with each patient their financial responsibility, regardless of third-party assistance. This office implements this process beginning with the first contact a patient makes with this office. Per the No Surprises Act (NSA) effective January 1, 2022, we begin with verbally offering a Good Faith Estimate (GFE), in writing, for patients that are self-pay, uninsured, or opting not to use their health insurance. We follow the GFE delivery requirements included in this policy upon request. Once a new patient has been evaluated in the clinic, the provider will establish a treatment plan. This plan will be communicated to the patient and to the staff, who will then offer to the patient and deliver a Financial Report of Findings Good Faith Estimate when requested.
• As a courtesy to our patients, this office will bill third party payers, accept assignment, and wait to be paid for some portion of our patients' financial responsibility.
• All patient copays are to be paid at the time of service.
• Patient deductible/coinsurances are to be paid after all remittances are received from the 3rd party payor and allocated to the patient account as such.
• Personal balances may not exceed $500 unless on a pre-arranged payment plan. Payment plans are available when balances exceed the patient’s ability to pay in full to ensure you are able to receive all the care you may require.
• The privilege of insurance assignment begins when our office receives and verifies your insurance information. Until that time, you are considered a “cash” patient and payment is expected at the time of service. As a courtesy to you, our office will pre-qualify your insurance coverage, in an effort to help you determine what coverage is available to you under your policy. We will help you make the best estimate of your coverage for the recommend services. This service is a courtesy to you and is not a guarantee of coverage or payment by the 3rd party payor.
• No one can predict what an insurance company will pay for the usual and customary charges for services rendered. If we participate on your plan, you will not encounter balance billing above the allowed/contracted rate as long as your benefits are effective/available. If we do not participate/are out of network, we can bill the insurance upon your request. If you do not have benefits available for chiropractic care we will work with you to help determine your cost of care.
• If your insurance has not paid on an assigned bill within 45 days, our staff looks into the claim for your by contacting the 3rd party payor for resolution. If it remains unpaid within 120 days the balance becomes due and payable immediately. If payment is received from the insurance carrier, resulting in a patient overpayment you will be refunded within 30 days to your original method of payment or via check if the original method was cash or no longer available.
• Most 3rd party payors, including most commercial insurance plans, Medicare, and PIP, only over what is medically necessary for a given condition, injury, and diagnosis. We can only bill 3rd party payors for such treatments. For patients who’s treatment is considered as maintenance, wellness or supportive care will be patient responsibility. Our office offers numerous payment options to allow you to continue care/treatment.
• Should you discontinue care for any reason, other than discharge by the doctor for a completed episode or care, any and all balances will become due and payable at that time. If you are on a predetermined payment plan, that plan will continue to be in effect until your balance is zero.
• If you have pre-paid for a package and wish to discontinue treatment/care, you can retain the balance for future care or you can request to be refunded the remaining balance.
MVA Claims ONLY
• If a patient is being seen for a Auto Accident / PIP Claim, we require all information of all insurance parties attached to the claim. If you are not at fault for an accident, and the other party does not have medical coverages on their policy, it is in your best interest to open a claim against your insurance and obtain your benefits through your policy. If neither insurance has PIP/Med Pay benefits available, we are able to bill your health insurance.
• For MVA claims that are through Underinsured/Uninsured Motorist Coverage, a medical lien will be placed in effect until payment for full balance is received at the end of care.
• For MVA claims that are being held for 3rd party payment, a medical lien will be placed in effect until payment for the full balance is received at the end of care or settlement.
• In the event that coverages are not covered, denied, or go unpaid at the determination of the payor, patient will be finically responsible for all care/treatments.