FINANCIAL POLICY

1. Insurance and Payment Options

  • Insurance Claims: Claims will be submitted to your insurance company.  Since the pandemic, some claims take up to 2 months to process.  Patients are responsible for any balance not covered by insurance.

  • Out-of-Pocket Costs: If you have a high deductible, copay or your insurance does not cover chiropractic services, you will be responsible for payment.

  • Non-Insurance Patients: If you do not have insurance or choose not to use it, payment is expected at the time of service. Our office accepts cash, credit/debit cards, and checks.

2. Payment Due Dates

  • Payment is due at the time of service, unless prior arrangements have been made. This includes both insured and non-insured patients.  With permission, a card will be stored in your electronic file to be utilized when payments are due. 

  • Recurring payment withdrawals will occur according to the agreed-upon schedule.

3. Payment Plans

  • Flexible Payment Plans: Payments plans are available for patients who need assistance in paying for services.  These must be agreed upon in writing before services are rendered.  Late or missed payments may result in suspension of services until the balance is settled.

4. Good Faith Estimate for the No Suprises Act (NSA)

  • Providing a Good Faith Estimate:  If you are uninsured or have out-of-network benefits, a Good Faith Estimate (GFE) of the estimated costs of your care will be provided. This estimate will be given to you prior to receiving services and will include all reasonably expected charges for the services you are scheduled to receive.

  • Requesting a Good Faith Estimate:  If you are planning to seek chiropractic care and do not have insurance or will be receiving services out-of-network, you can request a Good Faith Estimate prior to your first appointment.  It will include the likely cost of treatment, such as fees for consultations, adjustments, and any other additional services.

5. Returned Checks

  • The patient will be required to pay the fee and penalties associated with a returned check.

6. Collection of Outstanding Balances

  • If an account becomes overdue, multiple reminders may be sent, including emails, letters and phone calls. If payment is 6 months late, the balance will be sent to a collection agency.

7. Agreement to Financial Terms

  • By receiving treatment at our office, you agree to abide by our financial policy. Financial concerns can be discussed with either doctor prior to treatment.

For questions regarding billing, payment plans, or insurance, please contact our office at drerin.abcfamily@gmail.com or drbob@abcfamilychiro.com.

This policy ensures that both the clinic and its patients are on the same page regarding payments, insurance, and expectations.