Payment & insurance

What is our policy regarding payment and insurance?

What is our policy regarding payment and insurance?

Many changes in healthcare reimbursement have influenced the decisions we have made to adopt the following financial policies:

PATIENTS WHO HAVE INSURANCE COVERAGE:

Insurance companies with a co-pay clause: The co-payment required under your specific plan is paid at the time of check-in. We are required by contract to collect the co-pay at the time of each visit. Please come prepared to meet the requirements of your specific plan at the time of the visit.

PATIENTS WHO HAVE COVERAGE WITH AN INSURANCE COMPANY WITH A GENERAL BENEFIT PLAN:

A payment of 20% of the charges incurred is expected at the time of service. The insurance claim will be filed promptly within 48 hours. If there is a remaining balance, which the insurance company states is the patient’s responsibility, we will notify you.

PATIENTS WITHOUT INSURANCE:

Patients without insurance must pay at time of service using cash or credit cards. Please discuss your specific needs and make arrangements with the Patient Relations Representative at the time of your first visit to our office. To make payment arrangements or to pay on your account, please call 251-928-2401 and ask for the insurance department.

PATIENTS WHO WERE HURT ON THE JOB AND ARE COVERED BY WORKER’S COMPENSATION:

Gulf Orthopaedic’s clinical staff is designed to care for the injured worker. Please note that due to specific regulations regarding the treatment of these particular patients, we must follow these guidelines:

• The first appointment must be made by the employer or the Work Comp insurance case manager or adjuster.
• The insurance information must be verified by our Verifications Clerk.
• We must have permission to provide information to the employer and the insurance carrier.
• Gulf Orthopedics will bill the appropriate responsible individuals.
• No payment is made by the patient.

For more information, call (251) 435-2663.