Thank you for choosing Dr. Michael Bernstein as your Chiropractor. In order to ensure an optimal experience in the office, please carefully read and sign this form in the indicated spaces acknowledging your understanding of our patient financial policy.
Insurance Coverage Changes: It is your responsibility to be aware of your insurance coverage. If there are any changes, you must notify us so we can update your chart, and verify your eligibility. If your coverage is not in effect at the time of your visit, the financial responsibility for payment is yours. If you fail to notify us of an update in insurance, so we may submit claims in a timely manner, the responsibility will become yours as well.
Copayments, Co-Insurance, and Deductibles: The Copay, Co-Insurance and Deductible of a policy is the patients’ responsibility. Copays are due at the time of each visit, prior to leaving the office. The deductible and co-insurance varies between policies, and is based on the contract you have with your insurance carrier. We do not know how much of your deductible has been met at the time of your visit, nor do we know your responsibility, as coinsurance rates vary from policy-policy and the services provided at the time of your visit. The deductible and/or coinsurance rates will be billed to you, and must be paid in a timely manner, so your account does not become outstanding.
Referrals and Insurance Requests: If your insurance requires a referral from a Primary Care Provider (PCP) for Specialist visits, it is your responsibility to obtain one. As a courtesy, we can assist you in the process of retrieving the referral. If at any time your PCP changes, please notify us as a new referral will need to be obtained. Patients are responsible for responding to any request from the insurance company for further information. If the request is not satisfied in a timely manner, it can result in a denial, making you responsible for payment.
Non-Covered Services: Patients are responsible for all “non-covered” services if they are denied by their insurance carrier.
I have read and understand the terms outlined in this Financial Responsibility Form.