Payment Is Expected at the Time of Service.

Payment is required at the time services are rendered. This includes applicable co-pays, co-insurance, deductibles and outstanding account balances. Patients who have an outstanding balance must make arrangements for payment prior to scheduling appointments.

Payment can be made with cash, personal checks or any major credit card. If a personal check is returned for insufficient funds we will charge a $35 fee and request an alternate method of payment.

HealthCare for Life LLC participates in most insurance plans. We DO participate in Medicare. We do NOT participate in Medicaid plans. Patients need to present their insurance card when checking in for their appointment. As a courtesy, we bill your participating insurance company on your behalf. If we have not received payment from your insurance company within 60 days from the date of service, you will be expected to pay the balance. If your insurance company denies coverage or reimburses less than the allowable charge we will send a bill for the amount due. Patients are responsible for paying these charges upon receipt.   

If you did not provide us with the correct insurance information on date of service and your claim is rejected you will be responsible for payment.

 Patients should thoroughly understand their co-payment, co-insurance and deductible amounts, benefits and what services are covered including office visits, procedures, immunizations and lab work. If you are unsure if a service is covered please check with your insurance company before your appointment.

Please note, a surcharge of $25 will  be applied for missed appointments and $10 for co-payments and deductibles not paid on the date of service. 

Missed appointments represent a cost to us and to other patients who could have been seen in the time set aside for you. Cancellations are requested 24 hours prior to the appointment.  Should you miss more than two appointments and fail to cancel in advance, you may be discharged from the practice.

Please remember: Your insurance is a contract between you, your employer, and your insurance company. You are personally responsible for any bill, or portion thereof, not paid by your insurance company.

If your insurance company does not pay the entire amount we will mail an invoice to the address we have on file for you. However, if your address is incorrect or you do not receive the bill, we assume that you have been notified of the amount due from your EOB sent to you from your insurer. Any amount not paid by your insurance company should be sent to our office as soon as possible.  It is the patient responsibility to update your demographics and new insurance information to our office. 

To request a refund of over payments or credits on a patient account please send a written request.  Refunds will be processed and returned to the responsible party within 30 days.