Insurance Claims/Billing:
Faisal Rafiq MD. PC., participates with most major insurance carriers. As a courtesy to our patients, we will file insurance claims for those insurances with which we participate. Please remember, any amount not covered by insurance is ultimately the patient's responsibility. A list of the major insurance companies we participate with is on this website, but please contact your insurance company to confirm that we are still participating. We require that you bring your insurance card and photo ID to all visits.
Financial Policy Waiver/Policy:
We recommend your call your insurance company prior to rendering services from Faisal Rafiq MD. PC. or Any of its clinicians, to avoid such issues as not being reimbursed for your visits or to all ensure we are a covered and paneled provider under your insurance company.We are committed to providing you the best possible care. If you have medical insurance we are anxious to help you receive your maximum allowable benefits. In order to achieve these goals, we need your assistance and your understanding.We will file your insurance claim with your primary insurance for you, however we ask that you pay any co- payment or deductible at the time services are rendered and the balance in full if your insurance has not paid in 60 days. For Insurance Co-payment we accept Cash, Money Order and all Major Credit Cards. We do not accept personal checks.We will do all we can to expedite insurance reimbursement, but you must realize that:
1. Your insurance is a contract between you, your employer and the insurance company. If we participate with your insurance plan, we are under contract to the only charge what your company allows. Since each carriers "usual and customary" fees differ, we will take the appropriate discount when your insurance company pays our practice.
2. Not all services are a covered benefit in all contracts. Some insurance companies arbitrarily select certain services they will not cover. These non-covered services are your responsibility. We must emphasize that as Medical Care Providers; while the filing of insurance claims is a courtesy we extend to our patients, all charges are your responsibility from the date the services are rendered. We realize that temporary financial problems may affect payment of your account. If such problems arise, we encourage you to contact us promptly for assistance in the management of your account. If you have any questions about any of our financial policies or any uncertainty regarding insurance coverage, please do not hesitate to ask. We are here to help you.
3. You agree to reimburse us the fees of any collection agency, which will be added to the account at the time it is placed with a collection agency and may be based on a percentage at a maximum of (your standard contingency rate 35%) of the debt, and all costs, and expenses, including reasonably attorneys' fees, we incur in such collection efforts.