NPI: 1467846279

FINANCIAL POLICY 

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Payments Required At The Time Of Service - Co-pays, as indicated by your insurance carrier, must be paid at the time of service. If you are unable to pay your co-pay at the time of service, you may be asked to reschedule your appointment. If your deductible has not been met, we request that you make a payment at each visit to help satisfy your deductible in an effort to ease the burden of receiving a large bill at the end of your treatment. If you are a Non­Insurance/Self-Pay Patient, payment for all services must be paid at the time of service. We accept Cash, Check, Debit/Credit/HSA/Flex (Visa, Mastercard and Discover) as forms of payment. We will charge a $25.00 fee for returned checks. 

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Billing Process -Our billing service, MeCMARA, LLC (Medical Claims Management and Reimbursement Affiliates) will submit claims to your insurance company. Payment and adjustment information received by your insurance company will be applied to your account. You will receive monthly statements indicating the remaining balance of any co­insurance amounts, deductibles or non-covered charges as indicated by your insurance company. The balance is due and payable when the statement is received, and is considered past due if not paid within 30 days. If you are unable to pay the balance in full, you must contact our billing service at 815-674-2386 to set up a Payment Plan. Each insurance payment will be audited for accuracy and any disputes involving incorrect payments and/or denials will be rebilled to your insurance company. In the even that we are unable to resolve disputes with your insurance company, you will be held responsible for the full payment. 

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Past Due Accounts - A statement charge in the amount of $2.50 per month will be applied to an account balance that has not been paid within thirty {30) days of receipt of a statement. If your account becomes past due, we may need to take necessary steps to collect this debt. If we refer your account to a collection agency, you agree to pay all collection costs associated with this service. If your account is referred to attorney, you agree to pay all attorney fees plus all court costs incurred in an effort to collect this debt. You understand and agree that if your account is referred for collections, the fact that you have received treatment at our office may become a matter of public record. 

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Reviewing Your Insurance Benefits - We recommend that you call your insurance carrier directly with any specific questions you may have regarding physical therapy benefits. Your insurance policy is a contract between you and your insurance company and it is your responsibility to be aware of your policy coverage relating to physical therapy, deductible, co-pay, coinsurance, visit limitations, effective dates of coverage, referral requirements and pre­authorization requirements. As a courtesy, we will call your insurance carrier prior to your visit to verify coverage, referral requirements and pre-authorization requirements, but we cannot guarantee the accuracy of the information provided to us by your insurance company. You will be contacted by our billing service only if an issue with your coverage has been discovered. 

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In-Network vs Out-Of-Network Benefits - If we are an In-Network Provider with your insurance company, we agree to accept the allowable amount (usual and customary) established by your insurance company. Although we may be able to estimate what your insurance company will pay and the patient's responsibility, it is the insurance company that will make the final determination of payment and coverage. Please verify with your insurance company whether we are an In-Network or an Out-Of-Network Provider. If we are Out-Of-Network with your insurance company, we are not required to write-off any balances that are considered over the usual and customary amount. You agree to pay any portion not paid by your insurance company. 

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Insurance Information - It is the responsibility of the patient to provide Integrated Orthopedic Physical Therapy, LLC with accurate billing information including but not limited to the name and address of the insurance company, policy and group numbers, responsible party, type of accident (worker's compensation, auto or other accident) and date of injury. Should any of this information change, it is your responsibility to provide updated information in a timely manner. If you neglect to supply our office with the updated information in a timely manner, you will be entirely responsible for the account balance if the insurance company cannot be billed within the timely filing requirements per our contact. 

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Referrals/Prior Authorizations - If your insurance company requires a referral from your primary care physician, you are responsible for making sure the referral has been made prior to receiving service. Please contact your primary care physician prior to your appointment to confirm. Failure to do so may result in benefits paid at a lower rate. You will be responsible for payment of services provided without a referral. We will call your insurance company to obtain any prior authorizations necessary. 

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Worker's Compensation Claims - If your services are related to a worker's compensation claim, you must provide us with the necessary information to file your claim including the name of the worker's compensation carrier, the claim number, date of injury and the contact information of your case worker/adjuster. We also require that a copy of your medical insurance card to be placed in your file in the event that your worker's compensation claim is denied and we need to bill your medical insurance for services. 

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MVA -Motor Vehicle Claims - We will bill Personal Injury Protection (PIP) auto insurance claims through your motor vehicle insurance as the primary insurance and will bill your private medical insurance when your PIP benefits have been exhausted. In absence of medical insurance, other financial arrangements must be made with our billing service. Payment for services related to a Motor Vehicle Claim remains the patient's responsibility. 

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Minors - A parent or legal guardian must accompany the minor patient at the time of the initial visit. The guardian is responsible for full payment as outlined in the above financial policy. The parent or legal guardian accompanying the minor patient will have full responsibility for payment should any dispute arise. 

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Supplies and Non-Covered Services - In the even that we recommend a supply or service that is typically not covered by your insurance, you will have the decision to receive the supply(s) or service. These supplies or services must be paid for at the time 9f service. Used supplies or open packages used for healthcare are non-returnable and will not be refunded. 

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Missed Appointments - We appreciate your time and request that you arrive at your appointment on time. You will be billed for missed appointments if you give less than a 24-hour notice of cancellation. Please call in advance if you need to reschedule your appointment. If you have cancelled or not shown up 2 times we reserve the right to discontinue future therapy appointments. We appreciate your cooperation. 

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IN SUMMARY - You are responsible for knowing your insurance policy benefits and requirements. We will bill your insurance carrier for services provided and you agree to allow your insurance company to make payment directly to Integrated Orthopedic Physical Therapy, LLC. You are responsible for co-pays, deductibles, and co-insurance according to your insurance policy. We will work with you and your insurance company to resolve disputes but cannot guarantee that all services will be covered. Payment for non-covered items and services are due at the time of service. If you need further clarification, please ask your therapist or call our billing service at 815-674-2386.