It is the policy of Intercoastal
Medical Group to collect payment for professional
services from the patient at the time the service
is rendered. We gladly will file your insurance for
you; however, we do require that you pay your share
– co-pay, co-insurance and/or deductible- (including
any prior balances that are your responsibility) at
the time of service.
At the time your appointment is
scheduled, you will be informed that payment for both
co-pays and previous balances are required at the
time of service we will also ask you to bring your
current insurance card and photo ID to the appointment.
You will be reminded of this again, when we call to
confirm your appointment a day or two before you are
scheduled to visit.
Insurance
We accept most insurance plans
and will file your claim for you.
At the office, the check-in person
will review your insurance ID card and update your
insurance information. Please bring your cards with
you for every visit!
Medicare co-insurance payments
are payable at the time of service unless you have
secondary insurance. Your insurance deductible will
be due at the time of the visit, if appropriate. We
accept assignment of all secondary insurances.
Co-payment, co-insurance and deductible
payments are all your responsibility and are collected
at the time of service.
Patients’ Financial Responsibility
You will be informed of any outstanding
balance that is your responsibility when you call
for an appointment.
If your account is past due, you
will be required to pay any patient balance owed in
full prior to any new appointment being made. Failure
to pay past due balances could result in dismissal
from the practice.
Procedure and Surgical charges
are analyzed prior to the procedure to evaluate your
share of the charge. Partial payment is required prior
to the procedure being performed.
FAQ's
Q. “Did
you bill my insurance?”
A.
Intercoastal Medical Group's policy is that all claims
are filed to your insurance as long as we have the
correct information on file. It is your responsibility
to provide us with your current insurance information.
Q. “I
had a physical and my insurance didn’t pay for
it, they said you coded it wrong.”
A.
If your reason for coming to the physician was for
your yearly physical, it must be coded as such. When
your insurance says it's coded wrong, they are referring
to the fact that YOUR coverage must not cover standard
physicals and therefore the code, while correct, will
not afford payment in their system, according to your
contract.
Q. “I
have an HSA account. Do I have to pay at the time of
service?"
A.
Yes. Many people have HSA accounts, but each HSA account
can be different. Because of this, we cannot make
exceptions to our policy requiring collecting at the
time of service.
Q. “Why
didn't my insurance pay for my tests?"
A.
Your physician will order tests, treatments, vaccines,
etc. that he/she believes are needed and/or recommended.
It is impossible for your physician to know what your
particular insurance will cover. Some insurance contracts
will pay for everything while others will only pay
for a test a limited number of times. Others may not
cover the test or treatment at all. It is your responsibility
to determine if your insurance will cover these services.
Services not paid by your insurance are billed to
you.
