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.
- It is our office policy to keep a credit card on file which will be charged for copays, coinsurance, and deductibles AFTER your claim has been processed.
- 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. preventive, contraception, maternity, place of service restrictions, out-of-network benefits, and 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.
- If the Practice does not participate with your insurance, you are expected to pay in full for our services at the time of visit. The Practice may provide assistance in submitting the charges to your insurance company; however payment is expected up front.