Assignment and Instruction for Direct Payment to Doctor Private and Group Accident and Health Insurance
Financial Policy & Agreement
Source of Payment
The Financial Policy of Community Chiropractic Center (the "Company") requires payment in full for all services rendered at the time of your visit, unless other arrangements have been made. The Company generally accepts payment from the sources identified below. If you have any questions related to your available sources of payment, please ask any staff member of the Company.
Private Pay (No Insurance)
If you do not have insurance or another party who may be responsible for paying for your health expenses, you are responsible for payment and must bring your account current at each visit. As a service to you, the Company offers no-interest and low-interest financing through CareCredit Patient Payment Plans. Please ask a staff member of the Company for more information related to payment plans if you are interested.
Personal Injury or Automobile Accidents
Injuries sustained as a result of an auto-related incident will be submitted under a personal injury claim. Please provide your automobile insurance information, claim number, insurance adjuster's contact information, and health insurance information so that the Company can promptly process your claims. If an attorney is handling your case, please notify the Company as soon as possible. Although you are ultimately responsible for payment, the Company will wait for payment until your claim is settled, so long as you are an active patient. If you suspend or terminate care, any fees for services are due immediately.
"On the Job" Injury (Workers' Compensation)
If you are injured on the job, your care may be paid for under your employer's Workers' Compensation insurance policy. You will need to inform your employer of the accident. Please provide the contact information for your employer's Workers' Compensation insurance carrier, your claim number, and your health insurance information so that the Company can promptly process your claims. If an attorney is handling your case, please notify the Company as soon as possible. Although you are ultimately responsible for payment, the Company will wait for payment until your claim is settled, so long as you are an active patient. If you suspend or terminate care, any fees for services are due immediately.
Managed Care Plans
The Company are preferred providers for the following HMO's and PPO's: Aetna, Keystone Health Plan East, Keystone 65. Please note your insurance may be a subsidiary of the previously listed insurance companies. Please contact your HMO or PPO directly to discuss the benefits available to you, your responsibility for paying cost-sharing amounts, and any referral requirements.
Flex Plans/Medical Savings Account Plans
Upon request, the Company will provide you with an statement of your charges for your use in seeking reimbursement under a Flex Plan or Medical Savings Account Plan.
The Company accepts assignment of insurance benefits in lieu of cash payments for certain services rendered to you. The Company is willing to investigate the availability of insurance benefits, upon request. If so requested, you must provide accurate and up-to-date insurance information. Please be prepared to present your insurance identification card at each visit. The Company's communication with your insurance company is not a guarantee of payment. The Company encourages you to contact your insurance company directly for detailed coverage information. The Company will also assist you if you need help in filing claims with secondary insurance providers. The Company attempts to keep track of individual insurance plans and the amounts that they typically pay for procedures. However, plans routinely change. Thus, the estimated insurance payment may vary from your insurance company's actual payment. When your insurance payment is received, any necessary adjustments (credits and debits) will be made to your account. It is important to remember that your insurance coverage is a contract between you, your employer (if applicable), and your insurance company. While the Company will seek payment from your insurance provider before looking to you for payment, you are responsible for certain upfront fees. These may include, among other fees, co-payments, deductibles, non-covered services, and co-insurance amounts, as applicable. You will also be responsible for any amount that is not covered by insurance minus any applicable fee schedule discounts.
The Company accepts Medicare reimbursement for services rendered to you. However, Medicare covers only medically necessary manipulation of the spine and will only pay for 80% of the allowable fee once the deductible has been met. You will remain responsible for the remaining portion of the allowable fee, any deductible, and all other services or tests (including X-rays and examinations). The Company will make every reasonable attempt to secure payment for your services from Medicare.
Please help us serve you better by keeping scheduled appointments. We reserve the right to charge a missed appointment fee for repeat offenders. Further, understand that non-compliance with your prescribed treatment plan may negate our ability to represent your services as medically necessary to your insurance carrier. This is to remind you that in order for the services performed in this clinic to be billed to your insurance carrier, those services must be considered medically necessary. Part of satisfying the medical necessity requirements is for this clinic to develop a treatment program that is oriented toward improving your level of functionality to your maximum potential. Our ability to assist you with meeting these goals is based on your commitment to your prescribed treatment program. Non-compliance with your treatment plan will interfere with our ability to make the progress that is required by your carrier to establish the medical necessity of the services.
- Payment is due at the time of service, unless other arrangements have been made.
- For your convenience, the Company accepts cash, checks, CareCredit (payment plan), Visa, Mastercard, and Discover.
- An insurance contract is between you, your employer, and your insurance company; therefore, it is your responsibility to keep the account current.
- You will be notified when your insurance reimbursement goes beyond 45 days without payment. At that time, you should contact your insurance company and request payment. After 90 days, you will be billed and expected to make payment in full.
- Patients involved in litigation (law suits) are responsible for payment of their services, as outlined above. In its discretion, the Company may agree to wait for payment until the final disposition of your claim is reached, so long as you are an active patient.
- Any fees for services rendered will be immediately due and payable if you suspend or terminate care.
- Any amount paid to the Company relates to services only; x-rays, medical records, and other physical property will remain the permanent property of the Company.
- 24-hours' notice is required when cancelling or rescheduling appointments. The Company reserves the right to charge up to the full amount owed for scheduled services in the event you do not cancel with 24-hours' notice (including no-show appointments). Cancellation fees are your responsibility, will not be charged or submitted to insurance, and must be paid in full before your next visit.
- In the event that your check is returned due to insufficient funds, you will be assessed a $25 fee.
Assignment and Authorization
I hereby assign the Company all medical and other benefits-including major medical benefits-related to the services provided to me by the Company. I further authorize an direct my insurance carriers (including Medicare, private insurance, and other health or medical plan) to issue payment directly to the Company for services rendered to me and/or my dependents. I understand that I am responsible for any amount not covered by insurance. I also agree to pay the Company any money that I receive from my insurance carrier for services provided to me for which I have not paid the Company. I hereby authorize the Company to release all information necessary to secure the payment of benefits. I authorize the use of my signature on all my insurance submissions whether manual or electronic. Furthermore, I authorize the release of my medical records, including protected health information, the secure payment and/or to receive medical information pertaining to my case in the Company's clinic. If my account is delinquent, I agree to pay all expenses incurred by this office to collect the account. This includes, but is not limited to, items such as collection agency fees, court costs, and attorney fees.