Billing

Our billing policies are in place to help us operate fairly and professionally. Read over them before your appointment, and let our office staff know if you have any questions.

Patients with Insurance

We accept and file insurance claims for most major insurance companies. These include, but are not limited to, Medicare, Anthem Blue Cross Blue Shield, Humana, United HealthCare, Aetna, Cigna, and Tricare. If you have a question about our participation with an insurance plan, please call us at (270) 765-5926 before your appointment, or call the customer service number on the back of your insurance card. We do not accept Medicaid or Passport, but we do accept Passport Advantage (gold card with an ID number beginning with the letter Q).

If you have Tricare Prime or an HMO plan that requires a primary care physician to be listed on your insurance plan, please have us listed before you come in to be seen. Otherwise, we will have to collect for the total amount of the visit. If we are out-of-network with your insurance carrier, we will still file your claim, but you will be expected to pay the out-of-network rate before you are seen by the provider.

Please bring your insurance card with you to every appointment. We will collect your copay (we accept cash, check, and all credit/debit cards) before you are seen. If your plan requires a deductible on physician office visits, we will collect the allowable amount before you are seen. We will send you a statement for any additional charges not paid by your insurance company. All outstanding balances must be paid before you are seen by a provider. If you are not able to pay before your visit, you will be asked to reschedule your appointment.

If you are a Medicare recipient, please be advised that Medicare requires a $131 deductible (subject to change) beginning January 2007. This must be paid by you before Medicare will begin paying anything on your office visits. Until you have met your deductible, we will collect the allowable amount, usually $48.72 (subject to change), for each office visit before you are seen by the doctor. Many secondary insurance plans do not cover this deductible, so we will call your secondary insurance to verify whether or not they pay this. If they do not, you will be expected to pay before you can be seen. After you have met your deductible, if you do not have a secondary, we will collect $9.74 (subject to change) before each office visit, and bill you for any remaining charges not paid by Medicare.

Self-Pay Patients

If you do not have insurance, you are considered a self-pay patient. We ask that you be prepared to pay for your visit in full. We will collect the office visit fee, which is $60 for an established patient and $100 for a new patient, before you are seen. Any additional charges incurred, such as labs, x-rays, and injections, should be paid upon check-out. These tests are discounted according to the Medicare rates. Although we do not usually set up payment plans, we can make payment arrangements for you to pay off your balance within four payments if necessary.

Automobile Accidents and Worker’s Compensation

We do not file automobile insurance or work comp claims. If you want to be seen for an injury or condition related to a car accident or work, we ask that you pay self-pay rates. You can then be reimbursed by your automobile or work comp insurance. We cannot file your health insurance for these claims. Certain diagnoses are red flags triggering them to send you and us a questionnaire wanting to know how you acquired the condition or injury. They will not pay for anything relating to a car accident or work related injury.

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