Welcome to our office! Your health is our chief concern and we strive for excellence in chiropractic care. In order to make the handling of your financial obligations as smooth as possible, please read and sign the following policy. If you have any questions, our staff will be happy to assist you.
General Insurance Information
Please remember that all health and accident policies are arrangements between you and the company that writes the policy. All charges in this office are your personal responsibility and all fees are charged directly to you. As a courtesy to you, we will prepare necessary insurance claim forms to assist in collections from your insurance company. We will also bill insurance on your behalf and will expect payment from them within 60 days. Should the claim remain unpaid over 60 days for any reason, we will then personally bill you for the balance, net 30 days. Please note that this office will not enter into dispute with an insurance company over your claim.
Your coverage (PPO, HMO, EPO, HSA, etc)
This office is under contract with many insurance plans. Please present your insurance card to the front desk so that we may make a copy for your file. On your behalf, we will immediately begin verifying your estimated coverage. You will need to sign the Signature on File/Authorization form. Your financial obligation may consist of a co-payment and/or a deductible. The co-payment will be either a fixed amount or a percentage of the charges. Co-payments vary from plan to plan but generally range from $5.00 - $30.00 per visit. PLEASE NOTE THAT YOU ARE RESPONSIBLE FOR PAYMENT OF ALL FEES FOR PROFESSIONAL SERVICES EVEN THOUGH YOU MAY HAVE INSURANCE COVERAGE-this means that should the insurer fail to pay sums due, you are responsible for the payment.
Worker's Compensation
With authorization to treat from your employer, if you are hurt on the job your care is handled 100% through eligible worker's compensation benefits.
Personal Injury
This category also includes automobile accidents. If you have medical coverage (med-pay) on your auto insurance policy, we will bill them directly for prompt payment of your care. This coverage is in place to immediately handle your medical needs regardless of who is at fault. If you are not at fault, you will not be penalized by your insurance company as they will collect for reimbursement from the responsible party. If med-pay is not part of your coverage, we will set up monthly payment arrangements upon your request. Please remember, you are directly responsible for payment of your bill.
Medicare
We are happy to accept Medicare patients, and we accept Medicare assignment. You will receive our MEDICARE ADVANCECED BENEFICIARY NOTIFICATION. Please read and sign this form. We will be happy to answer any questions.
Personal Pay/Time of Service
Because of decreased administrative costs, we are able to extend a time of service (T.O.S.) discount to our patients who do not have or choose not to use their insurance. To receive this discount, services must be paid for at the time they were rendered. The discount will not apply if we must send a bill for payment. If you have any questions regarding this time of service discount, please speak to our office manager. For Example:
Typical adjustment |
$75.00 |
Payment at time of service |
-$18.00 |
Balance |
$57.00 |
No Show Policy
It is important to our patients that we stay on schedule and make ourselves available to those patients in need with minimal or no wait time. To make this happen, we work hard to keep on schedule and many times have a waiting list for patients needing care. If you must cancel an appointment, we understand that things come up. A courtesy phone call is very important. A “no-show” takes an opportunity away from another patient who may be wanting to get in sooner. To that end, our office has implemented a “no-show” fee of $40.00 which will be paid in full prior to the next scheduled visit.
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I HAVE READ AND UNDERSTAND MY RESPONSIBILITY CONCERNING PAYMENT/POLICIES IN THIS OFFICE. I agree to be responsible for payments of all services rendered on my behalf or my dependents. I understand that payment is due at the time of service unless other arrangements have been made. In the event payments are not received by agreed upon dates, I understand that a 1-1/2% late charge (18% APR) may be added to my account and the time of service discount will become void. If required, I also understand a check of my credit history may be made. I agree to pay all costs of collection, including attorney fees should legal action be necessary.