Stoneridge Obstetrics & Gynecology Financial Policy
Thank you for choosing Stoneridge Obstetrics & Gynecology as your health care provider. We are committed to providing you with the best possible health care. The following is a statement of our financial policy. Please review and sign the policy outlined below.
Stoneridge Obstetrics & Gynecology will file a claim to your insurance carrier for payment of your services. We do, however, require complete insurance information at the time of the service to submit on your behalf. If your information is incomplete, you will be asked to pay for your services.
Please be aware that medical insurance is a contract between you and your insurance company. It is your responsibility to know limitations, exclusions, deductibles and copays of your insurance plan and to resolve any disputes with your insurance carrier for nonpayment of services. As the insurance policy holder, you are responsible for timely payment of your account for any unpaid balances as indicated by your insurance.
We accept cash, check, Visa, Mastercard and Discover for your convenience. Copayments are due at the time of service. There will be a $35.00 charge for bad checks.
Surgical Services and Office Procedures
Elective surgical procedures will be submitted to your insurance for payment. Surgery and obstetric deductibles may be precollected prior to procedure and delivery. IUD benefits will be verified prior to your visit. Though we may have been informed by your carrier that you have coverage for the IUD, the office does require a credit card copy at the time of insertion. In the event the insurance does not pay as we were informed, the services will be charged to your credit card. If you do not have coverage for this benefit, full payment is required prior to insertion.
Please be aware some and perhaps all of the services rendered are not considered reasonable and necessary under Medicare and other medical insurances. You will be responsible for these balances. Some insurance companies do not cover preventative care, such as annual exams. Medicare covers a routine exam every two years. Please be aware of this prior to your appointment, and know that you will be responsible for any unpaid balances.
We would appreciate your help and the courtesy of a call if you are unable to keep your scheduled appointment. Please notify our office at least twenty-four hours prior to the appointment time to avoid a $50.00 no-show fee.
Account Balances/Delinquent Accounts
Any amount not covered by the insured/patients insurance is due within 30 days of the statement. An account is considered past due 30 days following statement date and will assess a monthly $15.00 statement-processing fee. This fee will be added in addition to all account balances. Unpaid accounts over 90 days are considered delinquent and may be forwarded to a collection agency and incur additional fees from the agency.
Please note that failure to pay balances may result in discharge from the practice.
Most laboratory charges ordered through our office are billed directly to your insurance by either Quest Diagnostics or Grand View Hospital. If you receive a statement from one of these laboratories, we request that you contact them directly to resolve your billing questions.
Financial Obstetric Policy
Please be advised of Stoneridge Obstetrics and Gynecology office policy concerning your pregnancy and insurance coverage. Unlike other types of services, prenatal care is billed globally and will be billed at the end of your pregnancy, after delivery. Prenatal care includes your office visits and delivery charges.
During your pregnancy, physicians may order additional studies, such as ultrasounds and non- stress tests. These services will be billed to your insurance at the time of the service, and are not included in the global prenatal care fee. You may be responsible for co-pays and/or additional fees for these services, which will be determined by your contract with your insurance.
In addition, please be aware of the cost of delivery. Some insurance companies require the patient to pay part of the delivery charge as a coinsurance and/or deductible. The coinsurance or deductible is considered part of the total reimbursement to the doctor. If you owe coinsurance or a deductible, we require full payment by the end of the 36th week of pregnancy. We will arrange a payment plan to pre-collect your deductible prior to delivery.
It is your responsibility to inform our office of any changes in your insurance during your pregnancy. If your insurance coverage changes during your pregnancy, it is imperative that you inform the front desk or billing department as soon as possible. We need to obtain a maternity pre-certification to assure your delivery will be covered by the new insurance. You will be responsible for all unpaid balances if you fail to provide the office with a change in your insurance and you deliver without providing our office proper notification.
Copyright 2013. Stoneridge Obstetrics and Gynecology.