We participate with many health insurance providers. Patients are responsible for understanding their own insurance plan, its benefits, its limitations, and financial obligations related to their insurance coverage. Patients are financially responsible for fees not reimbursed by their insurance carrier. In addition to cosmetic surgery charges, fees not reimbursed by insurance include but are not limited to contracted deductibles, co-payments, coinsurance obligations and non-covered services. All fees not paid by insurance are the direct obligation of the patient or responsible party. While insurance forms are prepared as a courtesy, payment ultimately remains the patient’s responsibility. The amount reimbursed by their insurance company remains a matter between the patient and their insurance carrier. We will never submit claims to an insurance company for services that are considered cosmetic.
Acceptable payment forms include check, cash, and all major credit cards. All credit card transactions are subject to a 3% processing fee.
Optional financing plans are available, and we would be happy to assist patients with applying for financing should patients so desire. All financing transactions are subject to a 3% processing fee. Financing can be applied to up to but no more than 50% of the total costs of scheduled services.
A nonrefundable schedule fee is required to reserve professional time scheduled both in our office and in the operating room. This scheduling fee covers the labor costs incidental to the work of scheduling and coordinating with other service providers such as anesthesia providers and surgical facilities. Scheduling fees are due at the time of scheduling. Should a situation arise, that might force patients to postpone their scheduled office visit or surgery, it is important to understand that all scheduling fees are nonrefundable regardless of the reason for cancellation.
We understand that a situation may arise that could force patients to postpone scheduled consultation or surgery. Please understand that such changes affect other patients. Nursing time, anesthesia providers’ time, and operating room staff time are all valued commodities, and we request courtesy and concern with regard to schedule changes.
Some patients may require a health care professional to assist in completing forms related to 3rd party insurance claims, disability claims, Family and Medical Leave (FMLA) forms, or other health forms. A Form Fee is due prior to processing any such forms
As a courtesy, our practice may provide an estimate of patients’ current deductible obligation in advance of planned insured services. Any such estimates are merely estimates and are likely to change by the time services are rendered. Patients are ultimately responsible for understanding their health insurance obligations and benefits. Estimated deductible balances are due 21 days prior to services rendered. Final deductible / coinsurance amounts will differ from preoperative estimates.
Our office may request prior authorization from insurance providers for planned surgical services. In those circumstances where prior authorization is requested but it is not provided by the insurance company in advance, or if it is deemed to be “not required” by the insurance company, full payment for the planned surgical service is due 21 days in advance. We may still submit a claim to the insurance carrier for these surgical services after services have been rendered, so long as these services are not cosmetic in nature. If such claims are processed and paid, patients will be issued a refund of their prepayment of insured services.
Should prepayment of estimated deductibles or coinsurance exceed the final deductible/coinsurance obligations owed, patients will be issued a refund of the difference. If patients prepaid for insured services and, if claims related to those services are processed and paid by the insurance carrier, patients will be issued a refund of prepayment for insured services. Refunds can only be issued after all insurance claims on the patient’s account have been fully processed and adjudicated. Refund amount will be directly related to the patient’s prepayment amount less any processing fees, deductible obligations, coinsurance obligations, or other liabilities. Refund amount will not be related to the amount paid by insurance provider. We can never refund more than patients have prepaid.
