Certified Allergy & Asthma Consultants considers payment of your bill to be part of your treatment. The following is a statement of our Financial Policy.

General Payment Guidelines
For those patients without health insurance, payment in full is due at the time of service, unless other payment arrangements are made with our Business Office in advance.

For those patients with health insurance, payment of co-payments or co-insurance, as required by your insurance plan, are due at the time of service, as outlined below.

WE ACCEPT CASH, CHECKS AND CREDIT CARDS (VISA, MasterCard or Discover Card.)

Regarding Insurance

Insurance Plans With Which We Participate
If you are a member of an insurance plan with which we participate, all co-pays and co-insurance payments, as required by your insurance plan, are due at the time of check-out following your appointment. If you receive immunotherapy injections in our offices, you will be given the opportunity to have your co-payments or co-insurance automatically charged to your credit card on a monthly basis. In the event that your insurance coverage changes to a plan where we are not participating providers, refer to the paragraph below.

Insurance Plans With Which We Do Not Participate
We will accept assignment of your insurance benefits. We do require that you make co-insurance payments at the time of check-out following your appointment. The balance on your account is your responsibility whether your insurance company pays or not. We cannot bill your insurance company unless you provide complete billing information. Your insurance policy is a contract between you and your insurance company. We are not a party to that contract. If your insurance company has not paid your account in full within 60 days, the balance will be billed to you.

Usual and Customary Rates
Our practice is committed to providing the best treatment for our patients and we charge what is usual and customary for our area. You are responsible for payment regardless of any insurance company’s arbitrary determination of usual and customary rates.

Medicare, Medicaid and Medicaid HMO Plans:
As a member of Medicare or Medicaid plans you will not be responsible for payment at the time of service. As a Medicare patient, you will be billed for co-insurance after Medicare has processed the claim. As a Medicaid patient, you will be billed for any charges not paid due to Medicaid ineligibility as determined by the Medicaid program.

Referrals
If your insurance plan requires referrals from your Primary Care Provider (PCP) for specialist services to be provided by our Practice, it is your responsibility to obtain the referral for the appropriate dates of service. Failure to obtain a valid referral for our services in advance of the performance of those services may result in denial of coverage by your insurance company. The balance of charges due on those services will become your responsibility at the time of denial by the insurance company.

Adult Patients
Adult patients are responsible for full payment at time of service, as outlined above.

Minor Patients
The adult accompanying a minor and the parents (or guardians of the minor) are responsible for full payment for the services provided to the minor at the time of service, as outlined above.