Patient Responsibility
In accordance with our Financial Policy, patient balances are due within 30 days after insurance pays. If your insurance plan is subject to routine deductibles and co-insurance, we require you to keep a credit card on file so we can collect those charges as soon as your insurance carrier designates your financial responsibility for the claim. We will only charge your credit card without prior notice if the claim was adjudicated normally. During the time you leave a credit card on file, if it expires or otherwise becomes uncollectable, we will expect you to promptly provide a new means of payment.
You may use your credit card on file to pay your co-pay or any outstanding balance due at the time you are seen in the office. Once the claim is reviewed by the insurance company, you will receive an Explanation of Benefits (usually a week or two before we receive the same document). If the amount due to RTC Pediatrics is less than $150, we will bill the card on file without prior notification. Our Billing Department will then send you an emailed receipt of any charges that are made to your card via our patient portal. If, however, the balance is $150 or more, we will notify you via the method you select below. You will have 3 business days to discuss any questions or concerns with our billing department, and if we do not hear from you within that time, we will charge your credit card, debit card, or health savings account (HSA) card, the amount due to RTC Pediatrics based on the Explanation of Benefits.
How do you know your credit card is secure with the practice? RTC Pediatrics does not store complete credit card information anywhere in our office or computer system. We swipe the card as if processing a payment, and the information is held by the bank that processes our merchant account. When we later process your insurance claim, we go back to the merchant processing company who commits the transaction for the appropriate amount.