Payment Policies

Our goal is to provide and maintain a positive physician-patient relationship. Providing you with our financial policy in advance allows for a good flow of communication and enables us to operate efficiently. To prevent misunderstanding between patients and our practice, David J. MacGregor MD APC (the ‘Practice’) adheres to the following patient financial policy. Your complete understanding of your financial responsibilities is an essential element of the physician-patient relationship and continued medical management. Please read this carefully and if you have any questions, please do not hesitate to ask a member of our staff. These policies are non-negotiable.
  • It is our office policy to keep a credit card on file which will be charged for no show/late cancel fees, cosmetic treatment same day charges, copays, coinsurance, and annual deductibles AFTER your claim has been processed. This is a mandatory policy and non-negotiable.

  • It is our office policy to collect all cosmetic services and product purchases at the time of service. It is our policy to keep your card on file to be charged for these services as well.

  • Full payment is due at the time of service for copays, coinsurance and deductibles. For your convenience we accept personal checks, credit cards (Visa, MasterCard, American Express, Discover), and money orders. The Practice is required to collect copays, coinsurance and deductibles based on your insurance benefits and the Practice’s contractual agreement with your insurance carrier. The Practice must collect copays at the time of service and is required to report to the carrier any enrollees failing to pay the copay.

  • It is your responsibility to provide the Practice with current, accurate insurance information at the time of check in and to notify the Practice of any changes in this information. A valid insurance card(s) and picture ID of the adult insured (policyholder and guarantor of bill) must be presented at the time of service.

  • It is the patient’s responsibility to obtain insurance carrier coverage limitations (i.e. prior authorization and referral requirements) and member out-of-pocket financial requirements (copay, deductible, coinsurance). The amount of your co-pay may be different for specialists than for primary care.

  • It is the patient’s responsibility to ensure that an authorization and/or referral is obtained prior to scheduling your appointment if required by your insurance such as Brown and Toland Physicians Medical Group, Hills Physicians Medical Group and Sutter West Bay Medical Group. Tricare and student health plans require referrals as well. If you do not provide the correct insurance information at the time of scheduling, this may result in your appointment being rescheduled upon arrival to our office. It is the patient’s responsibility to provide accurate information regarding their insurance plan. If you choose to keep your appointment, we will collect the full amount for services and return the money once the patient has provided the correct insurance card and/or proper referral/authorization from their PCP’s office. Prior authorization or referral is not a guarantee of payment. Patients are responsible for any bills not paid by your insurance carrier.

  • If the Practice does not participate with your insurance, you are expected to pay in full for our services at the time of visit.

Please contact the office to find out what the fee is expected to be prior to your appointment.

  • If you have Medicare PART B only, you are responsible for your Medicare annual deductible $226 and your 20% coinsurance at the time of service or after the insurance has processed your claim depending on the service provided.

  • Patients will receive a separate bill from outside laboratories such as UCSF Dermatopathology, Sutter Dermatopathology, LabCorp and Quest for processing of skin biopsies and cultures. Questions about these bills should be directed to the respective lab.

  • The Practice does not accept post-dated checks.

  • The Practice does not offer financial hardship or charitable discounts. We are a private practice independent of the UCSF, Sutter or Dignity Health Systems. They may award such discounts because they are a non-profit charitable organization with a different tax status that receives financial assistance from the federal government.

  • Checks written to the Practice that are canceled or returned for non-sufficient funds results are assessed a $30 fee. To rectify your account, you will be required to pay with cash, money order, cashier’s check, or credit card.