Billing & Insurance
Family Medicine Financial Policy
Payment is due for services at the time of your visit. We accept cash, checks, and credit/debit cards for payment; we do not participate in various insurance plans. Verification of eligibility and benefits for an insurance company DOES NOT guarantee payment. Your insurance carrier determines payment at the time they receive a claim. Verification and filing in most cases is a courtesy we provide for our patients. However, you are the one with the relationship with the insurance company, and ultimately you are responsible to pay the bill.
We are not responsible for the actions of your insurance company. Therefore, you may be billed for any balances or services determined “not covered” by your insurance company. When you purchase a plan or are provided coverage by an employer, they will often tell you what is covered and what is not. You may not always remember or be aware of the actual benefits. We will sometimes ask you to sign a “waiver” which explains this, and lets you know you may be billed for a particular service that may or may not be covered. This is also the case with Medicare and Medicaid.
As a service to our patients we “accept assignment” on Medicare, Medicaid, and some private insurances with which we have signed contracts. This means they will tell us what they allow and then remit directly to us that amount. For Medicare, it is 80% of that amount. This means that along with paying your deductible, you are also responsible for 20% of the total allowable amount at the time of your visit. Our co-payments, deductibles, and payment for the “uncovered” services mentioned above are due at the time of service. In some cases this will only by an estimate, and we will try to be as accurate as possible. We do expect your cooperation in the process to collect and give us the best possible since you are the one with the contract. If any private insurance company does not pay within 60 days of billing, any unpaid balances are due and payable in full from you. All Medicaid patients must provide a current identification card prior to being seen each visit.
As a courtesy, we do file any insurance, and also as many secondary insurances as can be programmed. If we are unable to file for you, we will assist you in getting the information together for you to use in filing for yourself.
If you have questions regarding your billing and insurance, our business office can answer them. Office hours are Monday through Friday 8:30am to 4:30pm. Please call 812-663-1323 for billing questions only.