Our staff is available to assist you in meeting your financial responsibilities once professional services have been rendered. If you have questions regarding billing or our financial policy, please contact our office billing department at (816) 541-2700.
Financial Policy – Click Here
We strive to provide quality care with compassionate understanding. As part of that intention, we empower patients through knowledge. The following information pertains to our financial policy and areas of patient responsibility.
We are pleased to work with a variety of insurance providers. Patients must check with their insurance provider before their appointment to clarify coverage. Every plan is different, so it is the patient’s responsibility to know the exact requirements of their coverage.
Patients will be responsible for fees not covered by insurance. Copays, deductibles, co-insurance, and non-covered services must be paid at the time of service. A $10 service fee will be assessed to the account if the co-pay is not paid on the day of service.
We will file insurance claims on behalf of our patients and provide detailed statements of the account balance. Please note that the patient must provide proper proof of insurance at the time of the appointment. Insurance will not be filed without a copy of the insurance card.
All outstanding balances are the patient’s responsibility and must be paid during each visit. If unable to pay the balance in full, the patient must place a credit card on file allowing us to automatically withdraw the agreed upon monthly payment. Failure to follow these guidelines will result in cancellation of existing appointments and remittance to a collection agency.
The following terms are frequently used about insurance coverage.
Deductible – This is the fixed amount that must be paid for healthcare services before the insurance company begins covering costs.
Co-pay – Short for co-payment, it is a specific dollar amount that must be paid by the insured patient for services their insurance company covers. The remaining balance is paid by the patient’s insurance company. A co-pay is an out-of-pocket amount that is due from the patient at the time of service. Sometimes co-pays are charged after the deductible is met, and sometimes they are due immediately. They can vary for different services within the same insurance plan and are typically lower for standard doctor visits versus specialists. Not all insurance plans have a co-pay.
Co-insurance – After meeting a deductible, the insured typically pay a certain percentage of costs, called co-insurance, for any services that are covered by the plan. Co-insurance is paid until the insured meets their out-of-pocket maximum for the year.
Out-of-pocket Maximum – This is the most that the insured will pay each year for covered healthcare costs. Note: Monthly premiums do not count toward the out-of-pocket maximum. After the insured meets the out-of-pocket maximum, the health insurance company pays 100% of allowed healthcare expenses. This helps the insured avoid excessively high healthcare costs in years when they need a lot of treatment.
Covered Services – A healthcare provider’s service that is covered by the insured person’s plan.
Non-covered Services – A healthcare provider’s services that are not covered under the health plan.
Global Maternity Fees – Pregnancy, in most cases, is billed under a global fee. This includes 13 routine antepartum visits, delivery, and the 6-week postpartum visit. The global fee is not billed to your insurance until after the delivery. Any lab work, ultrasounds, and additional visits are billed separately. If a patient transfers care during pregnancy, then the patient receives individual billing. Visits, delivery, and postpartum care are billed separately to the insurance provider.