Chiropractic Financial Agreement
In our attempt to provide our patients with the best chiropractic care at an affordable cost, we approve certain procedures for insurance payments. However, we can only begin counting insurance agencies after the following settlement companies have closed: as soon as the coverage has been verified for a guaranteed benefit, our office`s policy is to accept the transfer, that is, to reduce out-of-pocket expenses. Everything that the insurance agency does not cover, such as therapies or supplies, is the responsibility of the patient. Some insurance companies, such as Medicare and Blue Cross/Blue Shield, sometimes send payments directly to the patient. If you receive a cheque from your insurer, be sure to bring us the cheque with the benefit return attached. In addition, if the Agency does not properly pass on all payments due, it will be fraud and appropriate action will be taken. The direct tally of the insurance agency and the acceptance of the transfer of benefits is only an expanded courtesy by this office. This does not reduce the patient`s obligation to pay the costs not paid by the insurance agency. All unpaid expenses are ultimately the responsibility of the patient. We are in a network with most of the major health insurance companies; all have a multitude of policies with deductibles or payments.
The amount a patient pays per visit depends on their individual insurance coverage. Payment will be determined when we verify benefits by the insurance company. The only time we change what is collected is when the explanation of benefits (which is sent with the payment of insurance) shows a discrepancy. Payments can be made in cash, cheques, visa, MasterCard and American Express. The patient is responsible for paying the deductible, co-insurance and supplements at the time of notification. Treatments and x-rays not covered by the insurance agency must be fully paid at the time of operation. A $25.00 fee is charged for FMLA forms, disability forms and copies of medical records. A $30.00 fee is charged for returned cheques. Accounts with outstanding balances are converted into collections.