Financial Policies

INSURANCE

Medical and surgical visits will be filed with your insurance carrier. It is the responsibility of the patient to provide accurate insurance and personal information and to verify network status prior to your visit. If your insurance requires a referral, it is your responsibility to provide the referral prior to your visit.

 

Per your contract with your insurance company, a co-payment, co-insurance, or deductible may be due. These are calculated based on our best efforts, and any differences will be billed or credited to you. You will be responsible at the time of service for the payment of such copays or deductibles, as well as any past due balances.

 

Recent changes in healthcare markets have altered insurance coverages to shift more of the cost of care to our patients. Many policies have higher deductibles which means, even if a procedure is covered by insurance, you may be responsible for the majority or entirety of the visit charges until your deductible is met. 

 

LATE CANCELLATIONS & MISSED APPOINTMENTS 

To make sure we are taking care of all patients in a timely manner, we do have a 10 minute no-show policy. If you are running late, please give our office a call to ensure that the physician is still able to see you.  We understand that unexpected events, illnesses, etc. occur. When this happens, please call our office as soon possible to inform us of such issues. 

Missed appointments for routine office visits are subject to a $25 no-show fee if not canceled within 24 hours of the appointment. Missed appointments for surgical, cosmetic, or vulvovaginal clinic are subject to a $100 no-show fee if not canceled within 48 hours of the appointment. 

 

COSMETIC SERVICES 

Cosmetic services cannot be billed to insurance, nor can we knowingly try to bill insurance in the hope that they may be covered. The fees associated with any cosmetic services are billed separately from any medically necessary evaluation or treatment. Charges for cosmetic services must be paid in full at the time of service.

PATHOLOGY & LABORATORY FEES 

 

Biopsies are sent to an outside pathology lab. You will receive a separate bill from the pathology lab. Microbiology and other laboratory tests are performed by a separate lab that will bill you separately. Please contact the laboratory directly for questions regarding pathology or laboratory bills.

 

REQUESTS FOR MEDICAL RECORDS 

Our practice utilizes an electronic medical record system which has a secure online patient portal available to you at no charge. Printed copies of your medical records are available at a fee of 10 cents per page plus the cost of postage. Medical records may be sent to another medical provider at no charge.

 

METHODS OF PAYMENT

Meramec Dermatology accepts the following forms of payment:  Cash, Visa, Mastercard, and Discover as well as personal checks with proper identification (valid Driver’s license or photo ID). A $30.00 overdraft charge will be added to the insufficient funds amount of any returned checks.