It is your responsibility to be informed of your insurance benefits prior to your initial visit. Contacting the insurance company directly will help you understand your plan and how benefits may be applied. Helpful questions that may help you understand your plan are:
Be sure to note the date and the name of the person that spoke with you.
The deductible is the amount you are required to pay before your insurance begins payment for care. Deductibles vary in size and may renew at either the calendar year or plan year depending on your individual policy.
Some insurance contracts require you to pay a certain dollar amount each visit. This amount is called a co-pay. Co-pay amounts can vary, depending on your individual policy. Depending on your plan, you may only be responsible for one co-pay if multiple sessions occur on the same day.
This is the percentage that your individual policy requires you to pay of the allowed or contracted amount. We will bill you for your co-insurance amount once we determine what your carrier allows per visit.
Plans may have a deductible, co-pays,
co-insurance, or any combination of these features.
The maximum amount that you may be responsible for in a year. This may or may not include prescription costs or co-pays.