Insurance Policies & Deductibles
Many insurance policies have changed to include high deductibles and the patient’s share of medical expenses has increased. If the insurance policy has a deductible, the insurance company will not pay claims, but will apply the discounted charges to the deductible until enough claims have been received to meet the deductible amount at which time the insurance company will begin to pay claims. The patient is responsible for paying the charges applied to the deductible.
Therefore, beginning in 2015, we will expect patients to pay a deposit toward the deductible at the time of service.
If your policy deductible is $500.00 or more a deposit of $150.00 is expected at the time of service.
If your policy deductible is under $500.00 a deposit of $75.00 is expected at the time of service.
We will bill you after your insurance company has processed your claims for any additional charges applied to the deductible. Please be aware that deductibles are in addition to copayments or coinsurance for many policies.
Every effort is made to obtain the most current information regarding your particular policy at or one day before the time of service. However, if we find that you have paid more than the insurance company indicates after processing your claims, we will refund the difference to you.