Financial Policy

We are committed to providing high-quality cardiovascular care. To keep financial arrangements clear and efficient, please review the following policy.
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1. INSURANCE AND BILLING

Insurance coverage is a contract between you and your insurance company.

As a courtesy, the Practice will:

• Verify insurance eligibility when possible
• Submit claims to your insurance carrier
• Assist with standard billing processes

Patients are responsible for:

• Providing current and accurate insurance information at each visit
• Notifying the Practice promptly of any insurance changes

Insurance verification does not guarantee payment. If coverage is inactive, cannot be verified, or is provided incorrectly, the patient may be financially responsible for services rendered.

2. COPAYS, DEDUCTIBLES, AND COINSURANCE

• Specialist copays and any outstanding balances are due at check-in unless prior arrangements have been made.
• Many cardiology services, including imaging, stress testing, vascular studies, and cardiac monitoring, may apply toward deductibles or coinsurance.
• Final patient responsibility is determined by the insurance company after claim processing.

3. REFERRALS AND PRIOR AUTHORIZATION REQUIREMENTS

Certain insurance plans require:

• Referrals from a primary care provider, or
• Prior authorization from the insurance carrier

Patients are responsible for ensuring these requirements are completed when required by their plan.

If referrals or authorizations are not completed:

• Appointments or procedures may need to be rescheduled, or
• Services may become the patient’s financial responsibility.

4. DIAGNOSTIC TESTING AND PROCEDURE READINESS

Prior to scheduling or performing diagnostic testing, the Practice may:

• Review insurance eligibility
• Contact patients regarding anticipated out-of-pocket costs
• Request updated insurance information if needed

If insurance cannot be verified or coverage issues exist, patients may be asked to:

• Update insurance information
• Reschedule the appointment, or
• Proceed under the self-pay policy.

A minimum of 24-hour cancellation notice is required for diagnostic testing. Failure to provide notice may result in a no-show fee.

5. SELF-PAY PATIENTS

Patients without insurance, or those electing to self-pay:

• Are responsible for the cost of services.
• May request self-pay rates and payment options.

Full payment may not be required on the day of service unless previously arranged. Retroactive insurance billing may not be available unless permitted by the insurance plan.

6. BILLING, STATEMENTS, AND OUTSTANDING BALANCES

Patients will receive statements for any remaining balance after insurance processing.

Accounts showing no payment activity or communication for 120 days may be referred to a collections agency.

Patients experiencing financial concerns are encouraged to contact the Practice promptly to discuss available options.

7. COMMUNICATION AND CONTACT AUTHORIZATION

By receiving care at the Practice, patients consent to communication via:

• Phone
• Text message
• Email

These communications may relate to scheduling, insurance matters, referrals, or billing.

The Practice uses HIPAA-compliant systems; however, standard email may carry inherent risks. By providing an email address, patients acknowledge and accept this risk. Alternative communication methods are available upon request.

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