Tuesday, August 29, 2023
FINANCIAL POLICY
Please read the following financial policy in its entirety to understand how services for care will be charged, and to understand your financial responsibility in paying for services rendered.
If you have questions about this financial policy, insurance, balances, or need to set up a payment plan email financialcare@headinghealth.com
Regarding Insurance
To be seen by a provider within Heading Health and receive care through your insurance carrier, you must provide us with your current insurance card.
If you have a change in insurance, you must notify our office immediately.
If insurance coverage cannot be verified at time of services, you will be responsible for payment of services.
In-Network Insurance
If Heading contracts with your insurance:
If your insurance requires a referral from your Primary Care Physician, you are responsible for obtaining referrals. Failure to obtain required referrals may result in lower or no payment from your insurance company, and the balance will be your responsibility.
If your insurance requires you to share financial responsibility (i.e. Copays, deductibles, and coinsurance) for your services, this will be collected at time of service.
Regardless of the amount that is collected at the time of services, you must pay for all amounts determined by your insurance company as your responsibility and will be billed and responsible for any balances.
Out of Network Insurance
If Heading does not contract with your insurance:
• You will be required to pay in full for our services at the time of the visit. Requests for an itemized receipt of services rendered must be approved in advance by the office manager when the appointment is made.
• We will submit a bill to your insurance company, unless you ask us not to do so, with the instruction for your insurance carrier to make payment directly to you.
If you are not sure whether we have a contract with your insurance plan, please discuss this with our staff or contact your insurance to verify network participation.
Balances, Bill Collection & Auto-Payments, & Software
Phreesia, our automated platform, will manage collection of copayments, coinsurance and/or deductibles and outstanding balances as well as intake information.
Phreesia will assist in maintaining your credit card information on file.
You will be asked to complete the credit card authorization to ensure timely payment.
Payment of copayments, coinsurance or deductibles must be completed before your appointment, otherwise your appointment is subject to cancellation and a cancellation fee.
If you have a previous balance or need to set up a payment plan, this can be arranged prior to your appointment - email financialcare@headinghealth.com.
If your balance reaches higher than $250, and you are not actively on a payment plan, we reserve the right to suspend services until your account is paid, in full or you have activated a payment plan and it is brought into good standing.
Automatic payment of copayments, coinsurance and or deductibles for services rendered:
We will collect payment for services rendered if not paid prior to the start of treatment or if you are not already on a payment plan through the automatic payment collection process.
The max amount of the auto-charge will be $100.00 unless approved for a higher amount by the patient.
This will be collected within 5 days after your appointment. You will receive an email from Phreesia with the details.
Late Cancellation/No Show Policy
Heading considers a Late Cancellation an appointment cancelled with less than 48hours notice, and a no-show a cancellation that happens with no-notice at all.
Appointment times are scheduled and reserved just for you. If you know there is a problem with your appointment time, the sooner you contact our office, the more effective we can be in giving another patient the opportunity to fulfill their treatment needs.
You must provide us with at least 48 business hours’ notice for cancellations (Saturday, Sunday and holidays are not considered within business hours); otherwise we reserve the right to charge a $100 cancellation fee.
If you call after our business hours (Monday - Friday 8:00 am-4:30pm) please leave a detailed voicemail including your name, date of birth, phone number, and that you need to cancel or reschedule your appointment.
Medicare Patients
You must give us your Medicare card and any card for your supplemental or other insurance (where applicable).
You will be required to satisfy your annual deductible and pay coinsurance if not covered by any other insurance carriers.
If you have given us your Medicare card and other secondary or supplemental insurance cards, we do not require that you pay us at the time of service, and we will submit the claim to these carriers. You will then be billed for any balance that your insurance companies determine to be your responsibility
Medicaid Patients
Heading does not contract with any type of Medicaid Plans.
If you have Medicare as your primary insurance and Medicaid as your secondary insurance, we are not able to treat you.
Regarding Lab Charges
There will be an additional fee charged by an outside lab for the processing of any labs taken for our office.
The professional component of reading/interpreting the results will also be billed separately by an outside lab.
Non-Covered Services
A service considered by your insurance carrier to be non-medically necessary will not be covered by your insurance policy.
You will be required to pay in full for this service in advance. Payment will be expected at the time of service in this circumstance unless arrangements are made with our billing department.
Thank you for your understanding of our financial policy.
Regarding Insurance
To be seen by a provider within Heading Health and receive care with payment through an insurance carrier, you must provide us with your current insurance card. If you have a change in insurance, you must notify our office immediately.
If insurance coverage cannot be verified at the time of services, you will be responsible for payment of services.
In-Network Insurance Plans
If your insurance requires a referral from your Primary Care Physician, you are responsible for obtaining referrals.
Failure to obtain required referrals may result in lower or no payment from your insurance company, and the balance will be your responsibility.
If your insurance requires you to share financial responsibility (i.e. Copays, deductibles, and coinsurance) for your services, this may be collected at the time of service.
Regardless of the amount that is collected at the time of services, you must pay for all amounts determined by your insurance company as your responsibility and will be billed for any balances.
Out of Network Insurance Plans
If you are not sure whether we have a contract with your insurance plan, please discuss this with our staff or contact your insurance to verify network participation.
If we do not contract with your insurance carrier you will be required to pay in full for our services at the time of the visit. Requests for an itemized receipt of services rendered must be approved in advance by the office manager when the appointment is made.
We will submit a bill to your insurance company, unless you ask us not to do so, with the instruction for your insurance carrier to make payment directly to you.
Balances, Bill Collection & Auto-Payments, & Software
Phreesia, which is the name of our automated platform, will manage the collection of copayments, coinsurance and/or deductibles, and outstanding balances as well as the intake information.
Phreesia will assist in maintaining your credit card information on file. Please complete the authorization to ensure timely payment.
Payment of copayments, coinsurance, or deductibles are expected at the time of service.
If you have a previous balance or need to set up a payment plan, this can be arranged prior to your appointment.
If your balance reaches higher than $250, and you are not actively on a payment plan, we might need to suspend services until your account is paid in full or you have activated a payment plan and it is brought into good standing.
Automatic payment of copayments, coinsurance, and/or deductibles collected for services rendered.
Heading will collect payment for services rendered if not paid prior to the start of treatment or if you are not already on a payment plan through the automatic payment collection process.
The max amount of the auto-charge will be $100.00 unless approved for a higher amount by the patient.
This will be collected within 5 days after your appointment.
You will receive an email from Phreesia with the details.
Late Cancellation & No Show Policy
Appointment times are scheduled and reserved just for you. If you know there is a problem with your appointment time, the sooner you contact our office, the more effective we can be in allowing another patient the opportunity to fulfill their treatment needs.
We ask that you give us at least 48 hours notice for cancellations to avoid being charged a $100 fee.
If you call outside of our business hours (Monday - Friday 8:00 am – 4:30 pm) please leave a detailed voicemail including your name, date of birth, phone number, and that you need to cancel or reschedule your appointment.
Medicare
You must give us your Medicare card and any card for your supplemental or other insurance (where applicable).
You will be required to satisfy your annual $198.00 deductible and pay your 20% coinsurance if not covered by any other insurance carriers.
If you have given us your Medicare card and other secondary or supplemental insurance cards, we do not require that you pay us at the time of service, and we will submit the claim to these carriers. You will then be billed for any balance that your insurance companies determine to be your responsibility.
Medicaid
We are not contracted with any type of Medicaid Plans. Therefore, if you have Medicare as your primary insurance and Medicaid as your secondary insurance, we are not able to treat you.
Lab Charges
There will be an additional fee charged by an outside lab for the processing of any labs taken for our office. The professional component of reading/interpreting the results will also be billed separately by an outside lab.
Non-Covered Services
A service considered by your insurance carrier to be non-medically necessary will not be covered by your insurance policy. You will be required to pay in full for this service in advance.
Payment will be expected at the time of service in this circumstance unless arrangements are made with our billing department.
Thank you for your understanding of Heading's financial policy.