OFFICE FINANCIAL POLICY:
Knowing your financial responsibility is an essential element of your care. With healthcare costs shifting to patient responsibility, it is essential you understand your deductible and details of your plan. Please read our financial policy carefully and sign at the bottom to confirm your understanding.
PAYMENT AT TIME OF SERVICE: Payment for our services is due at the time of your visit. This includes co-pay, co-insurance, non-covered services, and payment to meet your insurance deductible.
CREDIT CARD PAYMENTS: As of January 15th 2024, we will be using CardX to process our credit card payments. If you choose to pay by credit card, CardX will automatically apply a 3.0% credit card fee to your credit card payment. This fee goes directly to CardX and Niche Dermatology does not receive any portion of it. There is NO additional fee for the use of debit card, FSA, HSA, cash or Zelle, which you are welcome to use.
INSURANCE: Patients will be asked to present their insurance card to the receptionist for copying upon check-in at the office each time they are seen for medical services. Please make it a point to bring your insurance card with you each time that you visit our office. It is the responsibility of the patient to provide accurate insurance and personal information including any preferred laboratory cards. If your insurance requires a referral, it is your responsibility to provide the referral prior to your visit. You will be responsible at the time of service for the payment of copays, unpaid deductibles, and past due balances. In the event that your insurance coverage changes to a plan with which we ARE NOT participating providers, we will require payment in full at the time of service and we will file your claim to the insurance company as a courtesy. Any charges that are not paid by your insurance company are your responsibility. Your insurance policy is a contract between YOU and your insurance company. Any pre-certifications of procedures or testing are your responsibility. Please let us know in advance if your insurance company requires this.
SELF-PAY AND COSMETIC: Payment is expected in full AT THE TIME OF SERVICES.
CANCELLATION AND MISSED APPOINTMENTS: We understand that unexpected events, illnesses, etc occur. When this happens, call our office as soon possible to inform us of such issues. In the case of missed appointments or cancellations within 48 business hours of the appointment, a fee will be incurred. These fees will need to be collected before we are able to schedule you for another appointment. If you miss or last minute cancel 3 or more appointments, you may be asked to leave a non-refundable deposit prior to being able to schedule any further appointments.
MEDICAL OFFICE VISIT: I understand that it is my responsibility to cancel or change my appointment at least 48 business hours in advance of my appointment time and date, otherwise a $75 fee will be billed to my account which is not covered by my insurance plan.
SURGICAL/ COSMETIC VISIT: I understand it is my responsibility to cancel or change my appointment at least 48 business hours prior to my appointment time and date, otherwise a $250 fee for any Cosmetic appointment will be charged to my account, which is not covered by my insurance plan.
For cosmetic appointments, if you No Show or cancel any portion of your scheduled procedure within 24 business hours of that appointment, you will be responsible for the full expected cost of the procedure you are canceling.
CREDIT CARD ON FILE:
Recent changes in healthcare markets have altered insurance coverages to shift more of the cost of care to our patients. Many policies have higher deductibles which means, even if a procedure is covered by insurance, you may still receive a bill. These external factors make it necessary for Shari Marchbein MD PC to maintain a credit card on file for all patients. The card information is stored with security--the same HIPAA compliant software that protects your confidential medical information. Please be advised that the credit card on file will automatically be charged for claims not paid by your insurance company after 45 days for any balance due.
As you know, there are charges for each of the medical services that we provide you. Co-payments, deductibles, co-insurance, and charges for medical services are determined by your specific health care coverage. You are responsible to pay for any co-payments, any applicable dermatology procedures, and cosmetic treatments at the time of each visit. Most medical dermatology procedures go toward your deductible.
It is our office financial policy to obtain your credit card number and authorization to process payment for charges not covered by your insurance carrier. These health benefits are decided by your employer and selected health plan and we encourage our patients to understand their policy and to contact their insurance company for clarification of benefits prior to services being rendered. You must inform the office of all insurance changes, authorization referral requirements, and address changes. In the event the office is not informed before care is rendered, you will be responsible for any denied charges.
In providing your credit card information below, you authorize payment by credit card for services in the absence of coverage by your health plan including, but not limited to, co-payments, deductibles, co-insurance, missed appointments and all uncovered medical services rendered by Shari Marchbein MD PC and received by you.
Please note that Shari Marchbein MD PC has the right to refuse medical services if credit card information is not provided.
By signing this document, I authorize Shari Marchbein MD PC to bill my credit card on file for cosmetic and medical services and acknowledge understanding of our Financial Policy and my financial responsibilities as a patient.
We thank you in advance for your cooperation and we look forward to taking care of you.