Patient Financial Responsibility
Thank you for choosing Generations Family Practice to serve the health care needs for you and your family. We are pleased to participate in your health care and look forward to establishing a lasting relationship as your health care provider.
As part of this relationship, we have outlined our expectations for your financial responsibility in our Patient Financial Responsibility Policy. Please read the following information thoroughly. Then please print a copy for your records.
Generations Family Practice reserves the right to secure a credit card on file for all new patient appointments, on which a no-show fee could be charged in the event that the appointment is not kept.
- It is important that we have your correct address information on file. Please advise us anytime there is any change to your address, telephone or other contact information. We mail out lab results, pathology and appointment information in addition to billing statements.
Co-payments, Deductibles and Co-Insurance
- Co-payments are collected at the time of check-in.
- Insurance deductibles and fees for services not covered by your insurance policy, if known at the time of the visit, are due at the time the service is rendered. We accept cash, check and most credit cards.
- If you owe additional money after your visit, you can expect a statement which are sent out on a monthly basis. Payment is expected within ten (10) days of receipt of your statement. Thank you.
- Being engaged in your healthcare includes financial. We want to care for you in every way including financial counseling. If you have any questions about your account and coverage, please call our business office to speak with a staff member.
Failure to Pay
- Patients who ignore overdue/collection notices and fail to pay their balance risk negative credit ratings and possible dismissal from the practice.
- Past Due accounts may hinder your ability to have appointments scheduled.
- Should your account balance become uncollectible or if you file bankruptcy, we will continue to see you on an emergency basis only for 30 days, giving you time to find a new source of medical care.
- Returned checks are subject to a $25 fee and your account will be placed on a “cash-only basis.” We will accept payments only by cash or credit card until the balance is cleared.
- Failure to give 24 hours cancellation notice or failure to keep your scheduled appointment may result in a charge of $75. Missed appointments represent a cost to us, to you, and to other patients who could have been seen in the time set aside for you. We reserve the right to charge a fee for canceled or missed appointments. If you must cancel an appointment, Generations Family Practice requires a minimum of 24 hours’ notice.
- There is a charge for completing forms such as DMV, physical forms, FMLA, leave of absence, disability etc. Most forms require 5 to 7 working days to research your information and complete the form.
- There may be additional charges applied to your account if we are asked to copy medical records per patient request or participate in a Deposition or Phone Consultation on your behalf.
- Any patient over the age of 18, or an emancipated minor, will be held financially responsible for all charges incurred. If another party is responsible for payment of your account, you must pay your balance in full and negotiate repayment with them outside of our office. This policy includes individuals negotiating divorce agreements.
- It is important for you to be an informed consumer, who understands the specifications of your insurance policy (eg, vaccine and doctor visit coverage, referral/authorization requirements for specialty care, radiographs, laboratory tests, urgent care facility care).
- Your health insurance policy is a contract between you and your Health Insurance Company or employer. Please note it is your responsibility to know if your plan’s specific rules or regulations, such as the need for referrals, pre-certifications, pre-authorizations and limits on outpatient charges regardless of whether or not our physicians participate.
- We request that you present a current insurance card at each visit. We will bill your insurance company directly for medical services rendered. If problems arise regarding coverage issues, we will attempt to work with your insurance company to help resolve them prior to making it your responsibility. Also, please be advised that you are nevertheless ultimately financially responsible for payment of medical services rendered beyond your insurance’s plan coverage.
- If you do not present a current insurance card, you will be responsible for payment at the time of your visit. You will receive reimbursement from Generations Family Practice if your insurance pays the claim at a later date.
- Generations Family Practice contracts with many insurance plans. Before your appointment, please be sure your doctor is in-network and the services are covered under your plan. If your doctor is out-of-network, you will be billed for the cost of care.
- If your insurance carrier is not one with which we participate, you are responsible for payment in full. Insurance plans and Medicare consider some services to be “non-covered,” in which case you are responsible for payment in full.
- According to NC Statute 58-22253, insurers are required to pay a properly submitted claim within 30 days. You have a responsibility to provide information to our office so a claim can be properly submitted. If your insurance company has not paid a claim on your behalf within 90 days, the balance will be transferred to your account and you will be responsible for payment. If we receive payment at a later date, you will be reimbursed.
- Please contact your plan to clarify your current health insurance policy benefits and learn the details about your benefits, out-of-pocket fees and coverage limits.
- If we contact your insurance carrier regarding benefits or authorization on your behalf, we are not responsible for inaccurate information provided to us by your carrier. The information about your plan that we relay to you is in good faith.
- Medicare may not cover some of the services that your doctor recommends. You will be informed ahead of time and given an Advanced Beneficiary Notice (ABN) to read and sign. The ABN will help you decide whether you want to receive services, knowing you are responsible for payment. You must read the ABN carefully.
Minors and Dependents
- Parent and guardians are responsible for payments for their dependents at the time services are rendered. Minors and dependents must present a valid insurance card at each visit if a claim is to be filed.
- The accompanying parent or adult is responsible for full payment at the time of service. In case of divorce, please do not place our office in the middle of marital disputes. It is your responsibility to work out the payment of your child’s medical care between the custodial and noncustodial parent.
- Outstanding balances or failure to pay co-payments upon check-in may result in physicals and other routine or screening appointments being rescheduled.
- Just as we make every effort to accommodate you when you are in need to medical care, we expect that you will make every effort to pay your bill promptly. Payment is due at the time services are provided or upon receipt of a statement from our billing office. Thank you.
Referrals and Authorizations
- Please be aware of and provide any required referrals or authorizations in advance of the appointment of service. If you do not provide these before care is provided, you will be responsible for the cost of the care. When in doubt please contact your plan directly for clarification.
- A refund is issued when an overpayment has been identified. If you feel a refund is due, please contact our office.
- Self-pay patients should be prepared to pay at the time of each visit. If you have any questions regarding cost please be sure to call our business office to speak with the staff member before the visit so we may discuss your specific options.