Medical Insurance & Billing
We will work with you to help keep your health care costs as low as we possibly can. One way to accomplish this is to help eliminate excessive and costly billing. The information presented here is to help accomplish this.
At Appointment Check-In
Always bring your most current insurance card with you at the time of your visit. Please notify us at the time of check-in of any changes in address, insurance, telephone or contact information.
Please pay your co-pay and/or deductible at the time of service or, if you do not have insurance, come prepared to pay for your visit in full.
Please check with your insurance company as to the participation status. If we are not in network with your insurance, we will be glad to file the insurance claim, but payment is expected at the time of service.
We accept cash, personal checks (in-state only), Visa, MasterCard and Discover. We do not accept post-dated checks. There is a $30 fee for returned checks.
We are required by our insurance contracts to collect co-payments (if applicable) at the time of service. If not paid at the time of service, you may be charged a fee of $20 or more depending on your insurance company.
We Participate with the Following Insurance Companies:
We will be glad to bill your insurance company, but that does not guarantee that they will pay us for the services we provide. Your account is ultimately your responsibility.
Managed Care HMO Plans
If you are enrolled in a managed care insurance plan (HMO), you will need to obtain a referral/authorization prior to seeing a specialist. They will not issue retroactive referrals, so you will need to get this prior to seeing the specialist.
Past Due Accounts
Balances not paid within 90 days are considered past due unless a payment plan has been arranged with our Billing Department in advance.
Past due accounts will be turned over to a collection agency and will be reported to the Credit Bureau.
Processing fees will be applied to the account.
We reserve the right to terminate patients with bad debt.
Canceled, Late and Missed Appointments
Canceled, late and missed appointments are very costly to our practice and to the other patients needing an appointment. We ask that you kindly give us 72 hours notice when you need to cancel your appointment.
We charge a $25 fee for missed or late cancelation of appointments.
Continued excessive abuse of unfulfilled scheduled appointments may result in termination from our practice.
We realize that financial hardships may occur, and we will do our best to assist you with a payment plan, but we ask that you contact the Billing Department before your account becomes past due. We can discuss your financial situation and arrange a payment plan so that we can continue to provide care for you when you need it.
Please call our Billing Office between 7am and 4pm Monday through Thursday at 205-387-7555 option 8 if you need assistance or if you have questions regarding your account.
FAQs Regarding Billing and Insurance
What is a deductible?
A “deductible” is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims.
What is coinsurance?
Coinsurance is the amount that you are required to pay for medical care in a fee-for-service plan after you have met your deductible. The coinsurance rate is usually expressed as a percentage. For example, if your insurance pays 80% of the claim, then you pay 20%.
What is an Explanation of Benefits (EOB)?
An explanation of benefits (commonly referred to as an EOB form) is a statement sent to you by your health insurance company that explains what medical treatment and/or services were paid for on your behalf.
An EOB Typically Describes or Explains:
Amount the Patient is Responsible for Paying
Date of Service
Description and/or Insurer’s Code for the Service
Name of the Patient
Name of the Person or Place that Provided the Service
What the Insurance Company Allows (Amount Initially Claimed By the Doctor or Hospital, Minus any Reductions Applied by the Insurance Company)
I have insurance, but I do not have my insurance card. Can I still be seen today?
Yes, you can be seen, but you will be considered “self-pay” for that date of service.
If I have to pay out-of-pocket and my insurance goes back retroactive and pays, will I be refunded?
If the Billing Office receives your insurance card within 10 business days, we can file the claim for reimbursement. Once the insurance has paid the claim, we will issue you a refund in the form of a check.
Can you bill me for my co-payment amount?
Yes, but you will be responsible for an additional $10 fee plus your co-pay amount.
Can I be set up on a payment plan?
Yes, but payment plans are only available for account balances greater than $100. Please speak to our Billing Department to assist you with a payment plan.