Welcome to the Dermatology Clinic of McAllen. In order for our medical staff to be able to deliver the quality of care that you are accustomed to, we have established our financial policies. The following is the list of guidelines that are necessary in order to continue to provide high quality care and make your visit as pleasant as possible.
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1. We ask that you present your insurance card at each visit. It is your responsibility to provide us with the correct information to bill your insurance.
2. If you have a change of address, telephone numbers, or employer, please notify the receptionist.
3. We will collect your deductible, co-payment, or charge for non-covered services at the time of your visit. If you have a balance after an insurance payment from a previous service, we will also ask for that payment. We accept cash, checks, Visa, MasterCard, Amex, and Discover.
4.If we do not participate with your insurance company, you will be expected to make payment in full at the time service is rendered.
5. If your insurance denies our charges or does not pay us in a timely manner, or if your account becomes delinquent, we reserve the right to refer your account to a collection agency and to be reported to one or more credit bureau(s).
6. MEDICARE PATIENTS: We are participating providers with Medicare and will bill Medicare for all of your covered charges. If you have Supplemental Insurance, we will also bill that for you. If payment is not received from your supplemental insurance within 45 days of being submitted, we will bill you for the balance due. If you do not have supplemental insurance, your portion (20% of the amount allowed by Medicare) will be collected at the time of service. Each year you will be expected to pay the allowed amount of your charges until your Medicare deductible is met.
7.HMO-PPO PATIENTS: If we participate with your plan, we will bill your insurance for you. Your co-payment will be collected at the time of service-NO EXCEPTIONS. If your plan requires you to choose a primary care physician (PCP), it is your responsibility to make sure your insurance company has the physician and/or physician assistant you are seeing as your PCP. If your plan requires you to have an authorization to see a specialist, you will need to obtain that from your PCP. Note that this office does not do retroactive billing or accept retroactive referrals. If we do not participate with your plan, we will verify your out-of-network benefits, and will expect payment of your portion of the charges at the time of service.
8.SELF-PAY PATIENTS: Patients with no Insurance will be expected to pay at the time of service. If you will not be able to pay in full; you must contact our billing department prior to seeing your physician and/or physician assistant to make payment arrangements.
9. Your insurance is a contract between you, your employer, and the Insurance company. We are not a party to that contract. It is very important that you understand the provisions of your policy. We cannot guarantee payment of all claims. If your insurance company pays only a portion of the bill or rejects your claim, any contract or explanation should be made to you, their policy holder. Reduction or rejection of your claim by your insurance does not relieve you of your financial obligation.
Remember, whether you do not have Insurance, you are ultimately financially responsible for payment of your charges. If you have any questions regarding our financial policy, please feel free to contact us.
I have read and have full understanding of the financial policy of Oasis Dermatology Group, PLLC.