 INTRODUCTION
The level of reimbursement for doctor services has been decreased significantly the past the (10) + years due to the government – Medicare, major health insurance companies and managed care. It has made for an increasingly difficult situation for both patients and doctors.
CATEGORIES OF INSURANCE
Regardless, we work with Medicare, major insurance – managed care, most Preferred Provider Organizations (‘PPO’s’) Union Insurance Health Benefit Trust Funds, New Jersey Worker’s Compensation and New Jersey Motor – Auto Vehicle Accident – No Fault insurance.
SPECIFIC INSURANCES/COMPANIES:
Managed Care
• Consolidate Services Group (‘CSG’)
• Consumer's Health Network - PPO
• Balance Under Construction
Union Health Benefit Trust Funds
• Under Construction
Medicare
Motor - Auto Vehicle Accident - No Fault Insurance
• Consolidated Services Group ('CSG')
• Procura Auto
• NJ Manufacturers Insurance
• Balance Under Construction
Worker's Compensation
• Consolidated Services Group ('CSG')
• Procura Worker's Compensation
• NJ Manufacturers Insurance
• Balance Under Construction
1ST APPOINTMENT PAYMENT POLICY
In all cases, except for Medicare, a $ 250.00 payment is due at the time of your 1st Appointment. If appropriate, this initial payment will be applied to any deductible or co – insurance you have.
SUBMISSION – ASSIGNMENT OF CLAIMS, CO-PAYS, DEDUCTIBLES, CO-INSURANCE & OUT-OF-NETWORK BENEFITS
Depending on your insurance type, we submit claims to the insurer with assignment of payment for services to us. With some insurance plans, out-of-networks benefits are used. You are only responsible where co – pay, deductible or co – insurance is involved. You are also responsible for any balance of the bill that is due.
SECONDARY INSURANCE
Should you have secondary insurance company, we will submit claims to
them for payment and have payment assigned to us.
PATIENT FINANCIAL RESPONSIBILITY FORMS
Before your 1st appointment, please familiarize with, download and complete the UOC Patient Financial Responsibility Form that can be accessed here or is Part 5 of the Patient Questionnaire/History Form (click here) Bring the forms with you on your 1st appointment and have them ready to submit to the Front Desk Receptionist upon your arrival. It may save you 30 minutes in the office.
PAYMENT OPTIONS
Payment Options: Cash, Check, MasterCard, Visa, American Express
and Discover Card.
Payment Plans can also be set – up, arranged if it is necessary and/or of assistance.
NON-PAYMENT
In the event of non-payment by the insurance carrier, you will be responsible for the full payment. Likewise, you will be responsible for all balances after insurance co-payment, if applicable. All balances are payable within 30 days of being billed, a 1-1/2% late charge will be assessed per month for outstanding balances. If your delinquent account is sent to an attorney or collection agency, there will be an addition of a collection fee of $ 50 or 1/3 of the balance owed, which ever is greater. If applicable, you will also be responsible to pay reasonable attorney fees and expenses should it become necessary to resort to litigation for collection of charges related to services
BILLING QUESTIONS
Any specific questions about billing should be directed to 1.800.662.4385.
OTHER QUESTIONS
If you have questions regarding insurance, completion of forms, payment, etc., please contact: Melaine or Wendy at 201.343.1717.
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