question-mark-2546106_1920.jpg

INSURANCE QUESTIONS

Deductible, coinsurance, copay are terms often used to help patients understand what they pay. Please note the amount of deductible or coinsurance or copay is determined by your insurance plan and not by your physician. It is, therefore, important that you understand/verify your insurance plan benefits, limitations, requirement for prior authorization or referrals and coverage provisions.  

 

 What is a deductible? 

For Example,  if you have a $500 yearly  deductible, you would be responsible for your healthcare expenses till the total bill amounts to  $500 for that year. Once you have met your deductible amount, your insurance would share the cost of your health care expenses.

 

What is co insurance? 

Example: if you have met your $500 deductible, your insurance would share the cost of your health care expenses. If your plan determines your insurance pays 90 percent, then the 10 percent you pay is your coinsurance. 

 

What is a copay? 

A copay is a fixed/flat dollar amount that you pay when you see your physician or refill your prescriptions. Example, if your insurance policy determines your copay is $20, you pay $20 

Your insurance plan determines if you have a copay or not. 

 

Please provide us with your updated primary, secondary and any tertiary insurance information at the time of scheduling your appointment/before or during your office visit/telemedicine visit. Any amount that is not paid by the insurance is patient responsibility.  

 

Credit card on file

Sleep Health Clinic believes in making our billing process as simple as possible. We accept credit card, cash, checks. Patients may be required to keep their credit card on file with our office. Your card will be scanned with a card reader (with end to end encryption technology) and the card number stored only in your electronic medical record securely. Credit cards on file will be used only when there is a copay for office visits or any account balance after your insurance processes your claim. Please make sure your bills are paid within 14 business days. 

If your credit card payment is declined, we will contact you. 

Your account may become delinquent if not paid within 30 days after the date of the original statement. Unpaid balances after 90 days from the date of the original electronic bill/statement may be subjected to debt collections. 

  

Please let us know if you choose to pay directly, in which case, we will not submit a claim to the insurance company.  

 

No show/late cancellation fee

If you want to cancel your appointment, please notify us at least 24 hours before your appointment to avoid a late cancellation fee of $25. 

Please notify us at least 48 hours (during business hours) prior to your scheduled Sleep Study or there will be a $100.00 cancellation fee.

 

Miscellaneous

For phone calls or paperwork requiring more than 10 minutes, you may be charged $25. 

 

 If your mailing address, telephone number, or insurance changes, please notify us immediately.