Birmingham Pediatric Associates
Thank you for choosing us as your pediatric primary care provider. We are committed to providing your child with quality healthcare. Because some of our patients have had questions regarding patient and insurance financial responsibility for services rendered, we have developed this financial policy. Please feel free to ask us any questions you may have.
INSURANCE: We participate with most insurance plans, except Medicaid, Tricare and ChampVA. If you are not insured by a plan we participate in, payment in full is required at each visit. If you are insured by a plan with which we participate but still need an up-to-date insurance card, payment in full is required at each visit until we can verify your coverage. Knowing your insurance benefits is your responsibility. Please get in touch with your insurance company with any questions you may have regarding your coverage provisions.
PROOF OF INSURANCE: All patients must provide proof of insurance at the time of service. If you fail to promptly provide us with the correct insurance information, you will be responsible for the balance of a claim.
CO-PAYMENTS: All co-payments are due at the time of service via cash, check, or credit card. If a personal check is returned or unpaid from your bank, your account will be charged a returned check fee. $15.00 will be added to account for any copay's not collected at the time of service.
DEDUCTIBLES: 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 assigns the appropriate amount of patient responsibility.
NEWBORNS: Newborns must be added to insurance within 30 days, otherwise they will be considered self-pay.
SELF-PAY: Self-pay patients are expected to pay at the time of service and have a credit card on file.
RETURN CHECK FEE: A $40.00 fee for returned checks will be assessed to your account.
NON-COVERED SERVICES: Please be aware that your insurance company may not cover some of the services your child receives during their visit with us. The providers at Birmingham Pediatric Associates follow the American Academy of Pediatrics recognized standards for well and sick care. If a service is provided to your child but not covered by your insurance, you will be responsible for the resulting charge.
INSURANCE COVERAGE OF WELL VISITS PLUS PROBLEM-BASED VISITS: Well visits may uncover new problems, issues, or illnesses that require additional evaluation or management beyond the typical well visit (ex., ear infections, new onset asthma, anxiety/depression, other new concerns In addition, if your child has very complex chronic healthcare needs, your provider may spend a significant amount of extra time addressing those issues beyond what is typical for a routine well visit. In these situations, your insurance may be charged a problem-based office visit and a well-visit. While well visits may not require a co-pay/deductible, problem-based visits typically do require a co-pay/deductible payment, and, as a result, you will be responsible for that charge.
INSURANCE COVERAGE OF WELL-VISIT SCREENING TESTS: In general, well-visit charges are covered by most insurance companies. However, the cost of screening tests done during a well-visit may or may not be covered. During your child's well visit, your provider will perform various health screenings recommended by the American Academy of Pediatrics Bright Futures Guidelines and considered standard of care in pediatrics. Some insurance companies cover these screenings fully, some apply the cost to the deductible, and others do not cover the cost of the screening tests at all. As a result, you may have responsibility for some of the well-visit charges. Here are some examples of well-visit screening tests that are done in our office: Screening tests include (but are not limited to) the following: