Our Financial Policy is dedicated to providing our patients with the best possible care and services while keeping costs from increasing at an unreasonable rate.  We ask for your assistance by understanding and cooperating with our financial policy.

Insurances:

We participate with several insurance companies.   If you have questions regarding your particular insurance plan, please call Patient Accounts at 610-692-3434, ext 707.

If we DO participate with your insurance company, all services performed in our office and at the hospital will be submitted to them, unless we have received prior notification of non-covered services.  All co-pays and deductibles are the patient’s responsibility.  A prepayment plan will be set up regarding obstetrical care and surgery.

HMO insurance plans may require referrals for services.  It is the patient’s responsibility to know whether a referral is required and to obtain the referral prior to their visit.  If a referral is NOT presented at the time services are rendered, the patient will be responsible for payment in full for all services rendered during that visit.  Additionally, patients are responsible for ALL co-payments at the time of service.  

If we DO NOT participate with your insurance company, we will bill your insurance carrier as a courtesy but fees for services rendered will be due at the time services are rendered unless other financial arrangements have been made prior to date of service.

Coordination of Benefits:

Most insurance carriers send letters to subscribers the first of the year requesting information in regard to whether the subscribers, or dependents, have any other insurance coverage.  This information must be completed.  For children covered under both parents policy, the Birthday Rule applies.  In this case, the primary insurance would be the parent whose birthday falls first in the calendar year (not who is older).  For this reason, we need to have birthdates on file in our office. This issue occurs frequently with college students.  Your insurance will not pay on claims until they receive this information.   If you have questions, please call our Patient Accounts division.

Cancellation: (office visits, procedures and surgery)

We expect you to notify the office within 24 hours if you are unable to keep an appointment.  Our telephone system is able to take messages 24 hours a day to accommodate notification for scheduling changes. 

Payment for services performed:

Our office accepts Visa, MasterCard, Discovery and debit cards for your convenience, as well as cash or check.  All payments are expected at the time of service delivery and any outstanding balances are due within 30 days, unless prior arrangements have been made with Patient Accounts.  All balances that reach 90 days past due with no activity will be sent to a collection agency.  Should your account be sent to a collection agency, you will incur an additional $25 service charge.

Payment in full of any past due balance is expected prior to being seen in our office in the future.  In addition, payment in full will be expected at the time of service for any future services.

Refunds:

Refunds will be sent within thirty days of payment.  If you have not received an anticipated refund, please call Patient Accounts at the above number to make an inquiry.