Financial Policy

Thank you for choosing REACH as your healthcare provider. We are committed to providing you with quality and affordable health care.  To answer questions regarding patient and insurance responsibility for services rendered, we have developed this financial policy.  Please read it, ask any questions and be sure to sign in the space provided below.  A copy of this policy will also be provided for you.

1. Insurance

We participate with most major insurance carriers.  We are currently contracted with the following carriers: BCBS, Aetna, UHC, PHCS, Cigna and MEDCOST.  All patients must complete our patient information form before seeing a doctor.  We must obtain a valid copy of your driver’s license and current insurance information, to provide proof of insurance.  You will be responsible for providing the correct information within forty-eight (48) hours.  If you fail to provide us with the correct insurance information within forty-eight (48) hours you will be responsible for all charges.  If you are insured by a plan we are contracted with but do not have and up-to-date insurance card, payment in full is expected at each visit, until we can verify your coverage.  Be advised, your financial information is base on a benefit verification of what your insurance company provides to us and is not a guarantee of payment.  It is your responsibility to know your insurance plan and any services covered or not covered by your insurance carrier.  Patients without insurance coverage or patients who have insurance with a non-participating carrier will be required to pay for services in full.  Please contact your insurance company with any questions you may have regarding your quoted coverage.

2. Co-payments and deductibles

All co-payments and deductibles must be paid at the time of service.  This arrangement is part of your contract with your insurance company.  Failure on our part to collect co-payments and deductibles from patients is a violation of our participating provider agreement.

3. Non-covered services

Please be aware, some and or all of the services you receive may be not covered or considered a medical necessity.  In this case, a financial advisor will be assigned to you and will provide customized information to help you make the best financial decision.

4. Claims submission

REACH will submit your claims on your behalf.  We will assist you in every way reasonable to ensure your claims are reimbursed.  Your insurance company may need you to supply certain information directly.  It is your responsibility to comply with their request within the requested time frame.  Your insurance benefit is a contract between you and your insurance company; we are a third party to the contract and can not require anything from the insurance company on your behalf.

5. Nonpayment

If your account is over seventy-five (75) das past due, you will be notified by Accountable mail that you will have seven days to pay your account in full.   Partial payments will not be accepted unless otherwise negotiated. Please be aware, if a balance remains unpaid, we may refer your account to a collection agency.

6. Missed appointments

Our policy is to charge for any missed appointments not canceled within forty-eight (48) hours of the scheduled appointment.  These charges will be your responsibility and billed directly to you.  Please help us to server you better by keeping your regularly scheduled appointment(s).

Our practice is committed to providing the best treatment to our patients.  Our prices are representative of the usual and customary charges for our area.  Thank you for understanding our payment policy and please let us know if you have any questions or concerns.

I have read and understand the payment policy and agree to abide by its guidelines.

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Signature of Patient                                Date

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Signature of Partner                                Date

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Financial Advisor                                    Date