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OUR FINANCIAL POLICY
We are dedicated to providing the best possible care for you, and we want you to completely understand our financial policies.
Thank you for selecting Cardiology Associates, PC as your health care provider. We are committed to your treatment being successful. Please understand that payment of your account is considered your part of the treatment. The development of our financial policy was influenced by major changes in the healthcare system.
All patients must complete our Patient Registration form before being seen by the Doctor. We also ask that you present your insurance card(s) at each visit and notify us as soon as possible of any changes in your insurance coverage, address and/or telephone number(s); or a change in your treating/referring Doctor. We would like to keep your patient information as current as possible.
• Payment is due at the time of service unless arrangements have been made in advance by your carrier. We accept cash, checks, money orders, Visa and MasterCard.
• Keep in mind that your insurance policy is basically a contract between you and your insurance company. As a courtesy service to you, we will file your insurance claim if you assign the benefits to the doctor—in other words, if you agree to have your insurance company pay the doctor directly. If your insurance company does not pay the practice within a reasonable period, we will have to look to you for payment. If we later receive a check from your insurer, we will refund any overpayment to you.
• We have made prior arrangements with many insurance companies and other health plans to accept an assignment of benefits. We will bill them, and you are required to pay a co-payment at the time of your visit.
• If you are insured by a plan that we do not have a prior arrangement with, we will prepare and send the claim for you on an unassigned basis. This means the insurer will send the payment directly to you. Therefore, our charges for your care are due at the time of service.
• Not all insurance plans cover all services. In the event your insurance plan determines a service to be “not covered,” you will be responsible for the complete charge. Payment is due upon receipt of a statement from our office.
• We will bill your insurance company for all services provided in the hospital. You are responsible for any balance due.
• It is your responsibility to obtain any referrals if required by your insurance carrier.
PARTICIPATION: Our physicians partici-pate with many HMO’s, PPO’s and other health insurance plans, including Medicare and Medicaid, in the Tidewater area and parts of northeastern North Carolina. If you have any questions about your health insurance plan, please contact our Billing Office at (757) 539-2480, Monday through Friday, 9:00 am to 4:30 pm.
NON-PARTICIPATION: If your insurance plan is one with which we are not a participating provider, you will be responsible for payment in full at the time of service. As a courtesy, we will file your insurance claim and have the payment sent directly to you. In the event that your insurance carrier pays our office directly, we will promptly refund the payment to you as soon as possible.
REFERRALS: Certain health insurance plans require that you obtain a referral from the Primary Care Physician before visiting a specialist’s office. It is the patient’s responsibility to acquire this referral. Alternative payment arrangements or rescheduling of your appointment may be necessary if proper authorization is not obtained.
DISABILITY FORM: Our Physicians are here to assist you in completing disability forms. There may be a charge for completing these forms; $10.00 for one page (front and back); $25.00 for 2-5 pages; $250.00 for booklets or class action requests for medical records and completion by a Physician; additional fees may be required for a detailed Narrative report.
SELF-PAY: Payment in full is expected at the time of service. There is however, a payment plan available. Please discuss payment options with our Billing Office.
Thank you for your cooperation with our financial policy. Please let us know should have any questions or concerns.
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