Financial Policy

INSURANCE POLICY

In Network Billing:
If we are in network with your insurance plan, we will bill your insurance directly. Please provide accurate and complete insurance information at check in so we can verify your benefits and eligibility.

Non Covered Services:
Services or supplies not covered by your insurance are your financial responsibility, due at the time of service or upon claim settlement.

Delayed Insurance Payments:
If payment is not received from your insurer within their specified timeframe, the outstanding balance becomes your responsibility.

Deductibles, Co Pays & Coinsurance:
We collect your estimated deductible, co payment, and coinsurance upfront before services are rendered, based on your verified benefits.

Non Network Insurance:
If we are not in network with your plan, your visit will be billed at our self pay rates. A 20% discount applies if the balance is paid in full at the time of service.

Advanced Beneficiary Notice (ABN):
For Medicare patients, we will provide an ABN prior to rendering any service Medicare may not cover, including certain labs, imaging, or diagnostics. Your signature is required before the service is performed.

SELF PAY POLICY

Patients without insurance are billed at our posted self pay rates. Full payment is required at the time of discharge. Please note that self pay discounts do not apply to accident related visits such as motor vehicle accidents or workers compensation cases.

WORKERS COMPENSATION POLICY

Direct Billing:
For workers compensation cases, we bill your employer or their compensation carrier directly, in compliance with applicable workers compensation laws.

Contracted Rates:
We adhere to state mandated fee schedules and accept payments accordingly from workers compensation carriers.

Denial & Alternative Billing:
If workers compensation denies the claim, we will bill your private insurance. If that is also denied, payment responsibility falls to you.

Required Information:
Please provide accurate employer name and workers compensation insurance information at the time of service to avoid billing delays.

PAYMENT POLICY

Accepted Payment Methods:
We accept credit cards, debit cards, HSA, FSA, HRA cards, cash, and personal checks (subject to TeleCheck verification).

Outstanding Balances:
Patients with prior balances may be asked to address past due amounts before or at the time of service. Our team can discuss payment arrangements if needed.

Non Payment:
Failure to pay your balance within 30 days of the billing date may result in a restriction on non urgent services.

Collections & Legal Fees:
Accounts sent to collections will incur a 30% collection fee. You also agree to be responsible for any reasonable attorney fees required to collect outstanding balances.

CREDIT CARD ON FILE POLICY

All patients with commercial insurance or Medicare are required to keep a credit card on file at registration. Your card is securely stored through our HIPAA compliant, PCI certified payment processor and used only for approved balances after your insurance processes your claim (for example remaining deductible, coinsurance, or copay). Medicaid patients with verified active coverage are exempt.

EOB & Billing:
Once your insurer processes your claim and sends an Explanation of Benefits (EOB), any remaining balance is charged to your card on file, typically within 7 to 10 business days. No charge is made if there is no balance due.

Itemized Statements:
We provide a clear, itemized statement for all charges so you are fully informed before any card charge is processed.

Removing Your Card:
You may request removal of your card at any time by contacting our billing office. Please note that removal may require prepayment in full at future visits.

FINANCIAL HARDSHIP & ASSISTANCE

If you are unable to pay at the time of service, please speak with our front desk team. We will work with you to explore self pay rates, payment plans, or referrals to community resources or low cost care options. Financial status will never delay or limit care in urgent or emergent situations.