Thompson Chiropractic Clinic Financial Policy
Thank you for choosing Thompson Chiropractic Clinic! Our goal is to provide high quality, comprehensive chiropractic care in an inviting atmosphere. Our team has invested the time and energy needed to ensure that your experience is one full of healing and health. One important aspect of optimal patient care is a financial responsibility agreement to avoid misunderstanding between our patients and practice.
Outstanding Balances and Payment of Services:
Payment is expected in full at the time of service for all charges owed for the current visit, as well as any outstanding balance, including insurance copays, insurance deductibles, and services not covered by insurance. Be aware that some fees are not known until after claims have been processed when using insurance. If your insurance does not pay the balance in full, you will receive a statement. Statements are sent electronically twice a month and by mail once a month. Payment is due upon receipt of your statement and we are contractually required by insurance carriers to collect this. We accept cash, checks, credit cards, and HSA/FSA account cards.
To continue providing a high quality experience to all patients, we are unable to offer payment plans. If a patient balance or collective family balance reaches $200 or more, payment in full must be made before we can provide further care. Additionally, failure to pay a balance will result in accounts being transferred to an outside collection agency if the balance posted is older than 60 days. If an account is turned over to an outside collection agency, all balances must be paid in full prior to scheduling additional services. If an account is placed with a collection agency, you may be dismissed as a patient.
In signing this document, you give authorization for any attorney you work with to directly pay any amount you currently owe or may owe in the future from the proceeds of any case settlement. This includes payments from insurance companies based on charges for services provided by Thompson Chiropractic Clinic, PA. Additionally, you authorize this clinic to endorse and cash, checks, drafts, or money orders made payable to you or as co-payee with the clinic for services rendered on your behalf.
Insurance Claims and Benefits:
Your insurance policy is a contract between you and your insurance company. By signing this document, you authorize Thompson Chiropractic Clinic, PA to release any information deemed appropriate concerning your physical condition to your insurance company, attorney, or adjuster in order to process claims for reimbursement of charges incurred by you.
It is your responsibility to understand your insurance benefits, including information pertaining to co-payments, co-insurance and deductibles. In order to properly bill your insurance company, we require that you provide current and accurate insurance information. If you have more than one policy, it is important to relay the correct order your insurance policies should be billed in. Billing in the wrong order may result in denied claims. Patients must also notify Thompson Chiropractic Clinic of any changes to their insurance information. Failure to provide this information may result in denied claims, and larger or inaccurate amounts of patient responsibility. If the incorrect insurance is supplied, all charges billed will be your responsibility. In the event your insurance plan determines a service to be “not covered”, you are responsible for the complete charge. Under no circumstances will staff falsify or change a diagnosis or symptom in order to convince an insurer to pay for care that is not covered. If you suspend or terminate your care and treatment, any fees for professional services rendered to you will be immediately due and payable. You will be responsible for any costs of collections, attorney’s fee, or court costs required to collect your bill.
Uninsured or Insurance Opt Out: We offer an exclusive time of service discount rate to patients opting out of insurance. If you are uninsured or opting not to use your insurance policy, payment is expected the same day the service is performed to receive this discount. If payment is not rendered the same day, your service(s) will be full price and the discount will be forfeited.
Auto Accidents and Workers Compensation Claims:
We provide medical services and bill insurance for patients injured in auto or work accidents. If you have been involved in an auto or work accident, we legally cannot bill your medical insurance. In regards to auto accidents, Minnesota is considered a no-fault state. If you are an insured driver in Minnesota, we are required to bill your auto insurance company regardless of who is at fault, and regardless of where the accident occurred. It is your responsibility to provide complete and accurate insurance information so we can submit claims to pay for your care. You should submit contact information for the claim adjuster you’re working with so our office can communicate with them as needed, in regards to coverage and payment for care. If you are working with a lawyer, please provide us with their contact information. If medical services provided are unpaid by an auto or work comp insurance company, the patient is responsible for the cost of the medical care.
Missed or Canceled Appointments: Please refer to our Appointment Policy document. Charges may be incurred for missed appointments or appointments canceled / rescheduled with less than 24 hours notice.