Obstetrical Patients
Each patient will have a personalized review of the financial part of your care. On your second visit, our financial counselor will meet with you and discuss your insurance benefits. She will outline and estimate your financial responsibility and design a payment plan for you. The full amount is payable by the end of your sixth month of pregnancy. Our Mother's Care Card outlines your financial arrangements. Be sure to bring it with you each visit, as it will speed your checkout process.

The obstetrical package includes your routine prenatal care and delivery. If there are complications or extra tests and procedures, additional charges may apply. Care for conditions other than pregnancy are billed separately. Our office charges do not include anesthesia, services performed by the hospital staff or your baby's pediatrician.

Our review of possible expenses during your pregnancy is only an estimate. It is possible to have a balance due after delivery. We bill your insurance company for the services we performed in compliance with their standards. It is important to understand that you are ultimately responsible for all charges incurred. We ask that you work cooperatively with us to achieve the maximum allowable benefit under your insurance plan. Please keep in mind the requirements of your insurance carrier regarding pre-certification, prior authorization and co-payments.

Gynecology and Well-Woman Patients
Payment is expected for your portion of charges at the time of service. Co-payments may not be billed later and are not discounted. We will prepare and submit a claim to your insurance company in compliance with their standards. If you have a wellness benefit and your examination qualifies, please mention this in advance at the time you sign in. Thin Prep Pap Smears and some laboratory studies are billed separately by the pathologist.

Surgery Patients
Our scheduling team will estimate your out-of-pocket expense prior to surgical care and ask for payment at that time. We are unprepared to carry any balance for surgical care. You may use Master Card/VISA in place of cash. We offer a credit plan through Medical Financial Services that allows eligible patients to pay their financial obligations at a lower interest rate than is commonly available.

Preventative Care and Insurance Coverage
Medicare and some insurance companies do not cover routine preventive care and specifically an annual physical examination. They have also limited coverage on several important screening laboratory studies. It is important for you to make the decisions about your care, rather than depending on a disinterested third party. We are pleased to provide this very important preventative care for you; however, will not recode services to facilitate insurance coverage. We bill only for services that are documented. Please be aware of our policy and your benefits prior to the service.

We send monthly statements of your account showing the amounts billed to your insurance company and the amount currently due from you. If your insurance company has not paid within 60 days, we ask that you contact your company directly to find out the status of your claim. Please keep in mind that you are responsible for any amounts not paid by your insurance company.