CHESTER COUNTY OB/GYN - (610) 692-3434 - 915 Old Fernhill Rd. West Chester, PA 19380  
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Insurance and Finances


Our Financial policy is dedicated to providing our patients with the best possible care and services while keeping the costs to you from increasing at an unreasonable rate. We ask your help by understanding and cooperating with our financial policy.

Insurances:

We participate with several insurance companies. If you have questions regarding your particular insurance plan, please call our Billing Department, 610-692-2369.

If we DO participate with your insurance company, all services performed in our office and at the hospital will be submitted to them, unless we have received prior notification of non-covered services. All co-pays and deductibles are the patient’s responsibility. A prepayment plan will be set up regarding obstetrical care and surgery.

HMO insurance may require referrals for services. It is the patient’s responsibility to obtain the referral prior to the time of the service. If a referral is NOT presented at the time of service, the patient will be responsible for payment in full for these services at the time of service. All patients are responsible for ALL co-payments at the time of service. If co pay is not paid at time of service, there will be a billing processing charge added to patient’s account.

If we DO NOT participate with your insurance company, this means that we will bill your insurance carrier as a courtesy but fees for services rendered will be due at the time services are rendered unless other financial arrangements have been made prior to date of service.

It is important for you to understand that your health insurance coverage is an agreement between you and your insurance company. It is also important for you to know all the specific requirements of your insurance especially co pays and which labs we can use. Your doctor’s bill for the services provided to you is an agreement between you and your Provider. If you receive a statement from our office and disagree how your insurance processed the claim, please call your insurance.

Coordination of Benefits:

Most insurance companies are sending letters to subscribers the first of the year requesting if the subscriber or dependents has any other insurance coverage. This information must be completed. Remember for children if they are covered under both parents policy, the Birthday Rule applies. In this case, the primary insurance would be the parent whose birthday falls first in the calendar year (not who is older). For this reason, we need to have birth dates on file in our office. Your insurance will not pay on claims until they receive this information. If you have questions, please call our Billing Office.

Cancellation: (office visits, procedures and surgery)

There will be a $25 charge if you do not give us 24 hour notice for cancellation of appointments. If you are unable to reach the office during hours, you may leave a message canceling your appointment by pressing 8 on our off-hour telephone message.

Payment for services performed:

Our office accepts Visa, MasterCard, Discovery and Debit cards for your convenience, as well as cash or a check. All payments are expected at the time of service and any outstanding balances are due within 30 days, unless prior arrangements have been made with the Billing Department. All balances that reach 90 days past due with no activity will be sent to a collection agency. Should your account be sent to a collection agency, you will be financially responsible for all collection fees and legal fees that our office incurs through the process utilized to collect the outstanding delinquent balance.

Payment in full of any past due balance is expected prior to being seen in our office in the future. In addition, payment in full will be expected at the time of service for any future services.

Refunds:

Unfortunately, insurance companies do not always process the co pay according to the patient’s card. If this happens and results in a credit to your account of $15 or less, this credit will remain on your account for the next visit. If you wish to have this refunded, there will be a service charge of $7.50. This is due to the administrative cost of processing refunds.

 

 

 

 

 

 

 


 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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2007 Chester County OB/GYN Associates