Payment and Insurance Information

We are doing everything possible to hold down the cost of medical care. You can help a great deal by reducing the number of bills we send to you.

PAYMENT POLICY

Payment is required at the time services are rendered unless other arrangements have been made in advance. This includes applicable coinsurance and copayments for participating insurance companies. CSAM accepts cash, personal checks, VISA, Discover, and MasterCard. There is a service charge of $30 for returned checks.

All invoices unpaid after 30 days will incur a $5 per month service charge.

Patients with an outstanding balance [exclusive of pending insurance claims, but including your co-pay and deductible] 60 days or more overdue must make agreed-upon, written arrangements for payment prior to scheduling more appointments.  After 90 days we reserve the right to use a collection agency with any additional charges being your responsibility.

INSURANCE

We bill Medicare for covered services.  There is often a co-payment and or deductible up to the full amount of the cost of your visit, for which you are responsible, and which we will collect at the time of service.  If we can not determine the amount you owe we will send you an invoice as soon as we know, at which time it is due.

In addition to Medicare, we bill some participating insurance companies for Dr. Quentin McMullen as a courtesy to you. You are expected to pay your deductible and copayments at the time of service. If we have not received payment from your insurance company within 45 days of billing the insurance company, you may be expected to pay the balance in full. You are responsible to be sure all charges are paid whether by you or by your insurance carrier.

We do not bill any insurance companies except Medicare for Dr. Molly McMullen-Laird.  If you have outpatient visit insurance coverage you may ask for a coded receipt which you can send to your insurance company for reimbursement.  Your time of service receipt includes all information necessary for submitting claims to your insurance company.

If you usually see Dr. Quentin McMullen with participating insurance but sometimes see Dr. Molly McMullen-Laird, or see her for an acute problem, we will only bill your insurance for the times you see Dr. Quentin McMullen.  Please ask for a paid receipt for visits to Dr. Molly McMullen-Laird, which you can then submit to your insurance company.  The financial difference to you is minimal.

If you need assistance or have questions, please leave a message for our billing staff with your exact question and we will call you back to sort it out.

MANAGED CARE

We do not participate in any managed care programs such as HMO’s, and therefore require full payment at the time of service.

PATIENT ORGANIZATION

If you are a member of the patient organization, your contract must be paid up at the time of service or you are responsible for the full charge for the visit.

MEDICINES AND ITEMS FROM OUR STORE

These items must be paid in full at the time of dispensing.  If we ship items to you we will require pre-payment with a credit card.

MISSED APPOINTMENTS/LATE CANCELLATIONS

Broken appointments represent a cost to us, to you and to other patients who could have been seen in the time set aside for you. Cancellations are requested 24 hours [at least one business day] prior to the appointment. New Patient appointment cancellations require 2 business days prior to the appointment.  We reserve the right to charge for missed or late-canceled appointments. Excessive abuse of scheduled appointments may result in discharge from the practice.

Thank you for your understanding.