Financial Policy:
Thank you for choosing Integrative Family Wellness Center. We will do our best to provide you with the highest quality services. We feel that it is very important that our patients have a clear understanding of our expectations regarding billing and payment.
Chiropractic Insurance Billing:
Dr. Dean Blazek DC is contracted with most major insurance companies. We bill insurance directly and accept payment plus any copayments, co-insurance, deductibles and payments for non-covered services as payment in full. Although we may be contracted with your insurance company, it does not guarantee that your plan covers all visits. Patients are responsible to know the terms of their insurance coverage. If requested, we will provide you with the proper paperwork to submit on your own for reimbursement. Your insurance may pay only a portion of the charge for your treatment. You are responsible to pay for any balance on your account. We will bill you for the remainder once we have received the payment and explanation of benefits from your insurance. If you have insurance that covers chiropractic services, we will bill your primary and secondary insurance companies as a courtesy to you. Please remember, your insurance policy is a contract between you and your insurance company. You are responsible for the portion that your insurance policy may not cover at the time of services rendered.
Specifically:
- YOU ARE RESPONSIBLE FOR YOUR INSURANCE DEDUCTIBLE.
- YOU ARE RESPONSIBLE FOR YOUR CO-PAYMENT.
- YOU ARE RESPONSIBLE FOR YOUR CO-INSURANCE.
- YOU ARE RESPONSIBLE FOR PAYMENT IF YOUR INSURANCE COMPANY DEEMS YOUR TREATMENT NOT MEDICALLY NECESSARY OR IF YOUR TREATMENT IS A NON-COVERED SERVICE.
Naturopathic Insurance Billing:
Dr. Michele Nickels, ND, LAc is not contracted with any insurance companies. Naturopathic medicine is non-covered service.
Office Fees:
Fees are determined after the visit has taken place and depend on the complexity of the health concern, which procedures were performed, and the amount of time spent with the patient. If we are not contracted with your insurance company or you do not have medical insurance, we offer an income-based time of service discount. If you are having financial difficulty, we will be happy to work with you. You may want to establish a payment plan. We ask that these payments be made on time monthly and be paid in full within six months.
Payment Policy:
Full payment for visit co-pays, supplements and lab fees must be rendered at time of service and can be made by cash, check, credit card, FSA/HSA, or Care Credit. There will be a $25 service fee for any returned checks. Patients will be held responsible for non-payment by their insurance company. Accounts unpaid by the insurance company greater than 90 days will be billed to the patient.
Cancellation Policy:
All appointments must be cancelled at least 24 hours in advance. A charge equal to the amount of the scheduled appointment will be billed if this type of appointment is missed or cancelled too late as above. If the patient is more than 10 minutes late to any appointment, the appointment will be cancelled and the patient will be charged the cancellation fee.
Insurance:
If you have insurance that covers chiropractic services, we will bill your primary and secondary insurance companies as a courtesy to you. Please remember, your insurance policy is a contract between you and your insurance company. You are responsible for the portion that your insurance policy may not cover at the time of services rendered. Specifically: YOU ARE RESPONSIBLE FOR YOUR INSURANCE DEDUCTIBLE. Your deductible is the amount of money that your insurance policy requires you to pay before the insurance company will begin to pay your claims. YOU ARE RESPONSIBLE FOR YOUR CO-PAYMENT. Your co-payment is the amount determined by your insurance company that is due for each office visit. This should be paid at the time services are rendered. NOTE: You MAY also owe co-insurance. YOU ARE RESPONSIBLE FOR YOUR CO-INSURANCE. Your co-insurance is the amount of money remaining after the insurance has paid its portion of your charges. Again, you MAY have a co-payment AND co-insurance. YOU ARE RESPONSIBLE FOR PAYMENT IF YOUR INSURANCE COMPANY DEEMS YOUR TREATMENT NOT MEDICALLY NECESSARY OR IF YOUR TREATMENT IS A NON-COVERED SERVICE.
