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Financial Policy

We are pleased that you have chosen us to provide your surgical care. We need a few moments of your time to verify an understanding with you regarding the financial aspects of your care. We will begin with a few basic principles and then proceed to describe our policies in more detail.

BASIC Principles

  1. Our practice is a business concern. Our business is to render professional services to our patients. In order for our business to continue to operate, certain financial expenses must be met. Among these are salaries for employees, rent, insurance, supplies, equipment, repairs and maintenance.
  2. Our expenses can only be met if we receive compensation for our services.
  3. Each patient is responsible for the cost of our services. Insurance plans are available to assist with this responsibility. If you have insurance, we will submit the appropriate claims to your insurance. You will be responsible for balances assigned to you by your insurance plan and claims denied by your insurance plan.
  4. Physicians are NOT responsible for coverage decisions made by insurance plans or employers who sponsor such plans. Most insurance plans involve discounted contracts with physicians. We agree to accept these discounted payments from the insurance plan in exchange for appearing on the plan’s list of preferred providers. The discount depends on the plan itself and the specific service rendered.


  1. Current insurance information is absolutely vital. It is your responsibility to provide your current insurance ID card.
  2. Unless other arrangements are made in advance, patients without insurance are expected to pay all charges at the time services are rendered.
  3. We accept checks, Visa, MasterCard, Discover, American Express credit cards, cash or money orders.
  4. Office visit copayments must be paid at the time of the appointment. Insurance companies raise copay amounts from time to time. The amount shown on your ID card may be incorrect. If the copay amount is higher than shown, we will send you a bill along with an explanation for the remainder of the copay due.
  5. If you will be having surgery, we will contact your insurance company to determine an estimate of the deductible or coinsurance that is due. We may choose to collect this amount prior to surgery. You will be given a receipt to present to the hospital at the time of preadmission. If our estimate was incorrect, you will be given a refund after the claim is processed and we receive an Explanation of Benefits (EOB) from your insurance.
  6. We will send a claim to your insurance plan after services have been rendered. Your insurance will process the claim and then send an Explanation of Benefits (EOB) to you and to us. If there is a payment from your insurance company to us, it is attached to our EOB or transmitted electronically. The payment process usually takes less than 45 days.
  7. Once we receive the EOB, our bookkeeper enters the appropriate data into your account. We will send a bill to you based on what your insurance plan has instructed us to do.
  8. You are responsible for paying your account balance within thirty (30) days of our first statement to you.
  9. Checks returned to us due to “insufficient funds” or “closed account” will be handled as follows. We will assess a $20.00 charge to your account. We will attempt to contact you by phone or by mail. Future payments must be by either cash or money order.
  10. DELINQUENT ACCOUNTS: Any account more than thirty (30) days old is deemed delinquent. We then begin a series of steps to collect the amount due. A bill will be mailed to you two times. If we do not receive a response, your account will be sent to a collection agency. If the collection agency deems it necessary, we will authorize legal action on their part. Please contact us if you have questions about your account at 303-337-5261.