Financial Policy

Thank you for choosing Andrus & Associates Dermatology, P.A. as your dermatologic care provider. We are committed to providing all of our patients with affordable, quality care. We have outlined our financial policy below. This document is not all inclusive and may not pertain to your unique situation or questions. Please feel free to contact one of our billing specialist should you have any questions or need further clarification of our billing practices.

Insurance

At Andrus & Associates Dermatology, P.A. we strive to give all of our patients a great experience. As a courtesy for our patients we will gladly file your primary and secondary insurances. We ask you to provide us with your most current insurance cards and alert us to any secondary insurance plans you may have. Failure to provide us with your most current insurance information may result in non-payment by your insurance company and the balance will be your responsibility. We currently accept the following insurance plans:

Aetna (Except Aetna Medicare Prime HMO)

Blue Cross and Blue Shield (Except Blue Local and Blue Value plans)

Blue Medicare

Cigna (Except Cigna Connect plans)

Coventry

Humana Medicare (Except Humana Gold Plus through Alignment Healthcare)

Medcost

Medicare(Traditional Red, White, and Blue card)

United HealthCare

This list is not all inclusive and may be subject to change. If you have questions about whether we take your insurance please contact our insurance specialist.

Your insurance plan is a contract between you and your insurance company. Prior to being seen, you are responsible for acquiring referrals from your primary care provider if they are required by your plan. Failure to do so may result in non-payment by your insurance company and the balance will be your responsibility. Secondary insurance does not guarantee payment of the balance in full. If the insurance company leaves you a copay, coinsurance, or deductible the balance will be your responsibility. If you disagree with the determination of your insurance company you are responsible for calling them for clarification of your benefits.

Payments

You are responsible for paying all applicable co-pays, coinsurance, deductibles, non-covered, and cosmetic services at the time of your visit. If you cannot pay your copay the day of your visit you may have to be rescheduled to come back another day. We accept Cash, Check, and all major credit cards as payment for services rendered.

There is a service fee of $25.00 applied to all returned checks. Returned check balances must be paid with cash or money order only.

We understand that many insurance companies are now requiring large deductibles and higher out of pocket costs for our patients. It is never our intention to put undue hardship on our patients. If you are struggling to pay your bill or have a large balance, please contact our office. Payment plans are available to help ease the burden of increasing healthcare cost.

 Private Pay/No Insurance Coverage

We are happy to provide services to our patients with no insurance coverage or patients with insurance plans with which we do not participate. We gladly give our private pay patients a 30% discount on services if paid in full at the time of service. For patients who are not able to pay in full at the time of service, we will take a $100.00 deposit and bill for the rest of the visit, however, you will not receive the discounted rate.

Our new patient office visits range from approximately $75.00 to $175.00. This estimate does not include additional services rendered and is not a guarantee of charges.

Due to the increased incidence of nonpayment, we will require the $100.00 deposit be taken prior to seeing the doctor. After your visit, we will apply your discount and refund any over payment that may be due. If there is still a balance after the application of your $100.00 deposit, payment will be expected at the time of service or a payment plan established.

Cancellations/No Show Charges

We attempt to contact all patients at least 24 hours in advance of your appointment to remind you, but ultimately you are responsible for remembering to keep your appointment. We ask that all patients please call the office at least 24 hours before your scheduled appointment should you need to cancel or reschedule. This allows us enough time to fill the vacated appointment time. If you fail to cancel your appointment within 24 hours, there may be a $25.00 fee assessed.

Outstanding Balances/Collections

We currently send bills for outstanding balances once a month around the 15th. Our policy is to send two bills and if we have not heard from a patient at that time we will provide one courtesy collection phone call from our office. Should the bill still not be paid your balance will be sent to our collection agent.

We currently use Johnson Law Office as our collection agent. Should you need to contact them regarding a significantly past due balance please contact Amy Smith at (919)598-9000. If you are trying to schedule an appointment and have a collections account balance, you will need to contact Amy to clear your balance before you can be scheduled.

Refunds

While we strive to only collect payments that are necessary from patients, there are some instances where a refund may be due to the patient. We issues refund checks once a month.

Should your insurance company require a refund from us for payment on a claim, we will issue it to them in a timely manner. Your insurance company may determine that the balance is then the patient’s responsibility and you will be sent a bill for the amount your insurance company determines is due.

Dependents/Minors

We are happy to see children and adult dependents in our office. In the case of co-payments we will look to the accompanying caretaker to render payment for the dependent. We will bill the responsible party at the address listed on the patient intake forms. We do not get involved in legal judgments involving minors. If you feel someone else is responsible for payment on your child’s account it is your responsibility to contact the responsible party for payment. When the child reaches the age of eighteen they become responsible for their own account. Should the parent wish to continue to pay for the patient, it will be the responsibility of the parent to get the bill from their child.

Andrus & Associates Dermatology, P.A. is dedicated to providing the best dermatologic care to all of our patients. Our prices reflect usual and customary fees for our area. Thank you for understanding our financial policies.

 

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