Financial Policy

Monthly Statement:  If you have a balance on your account, we will send you a monthly statement.  It will show separately each visit you were seen for, the payments made by your insurance company to those dates, any contract adjustments; other adjustments if applicable, co-pays and other payments you have paid, and finance charge, if any. For any balance paid the previous billing cycle, these visits will not appear on future statements.

Payment if you have no insurance: 
Full payment is due at the time of service; Initial Physical Therapy evaluation with treatment $150.00; all following visits $100.00. Massage Therapy: $75.00 per visit.

Payment if you have insurance:
We will bill your insurance if we are providers with them. Please check with us or your insurance company to see if we are providers.  You are responsible for all charges not paid by your insurance company.

Payments:  Unless other arrangements are approved by us, the balance on your statement is due and payable when the statement is issued, and is past due if not paid by the 28th of each month.

Charges to Account:  We shall have the right to cancel your privilege to make charges against your account at any time.  Future visits would then need to be paid at the time of service.

Contracted Insurances: If we are contracted with your insurance company, we must follow our contract and their requirements. If you have a co-pay or deductible, you must pay that at the time of service.  It is the insurance company that makes the final determination of your eligibility.  If your insurance company requires a referral and/or preauthorization, you are responsible for obtaining it.  Failure to obtain the referral and/or preauthorization may result in a lower payment or denial of payment from the insurance company. You are responsible for all charges not paid by your insurance company.

Non-contracted Insurances:  Insurance is a contract between you and your insurance company.  We are NOT a party to this contract.  We will bill your primary insurance company as a courtesy to you.  Although we may estimate what your insurance company may pay, it is the insurance company that makes the final determination of your eligibility.  You are responsible to pay any portion of the charges not covered by insurance.  If your insurance company requires a referral and/or preauthorization, you are responsible for obtaining it.  Failure to obtain the referral and/or preauthorization may result in a lower payment from the insurance company.

Finance Charge:  A finance charge will be imposed on each item of your account which has not been paid within thirty (30) days of the time the item was added to the account.  The FINANCE CHARGE will be computed at the rate of one percent (1%) per month (ANNUAL PERCENTAGE RATE of twelve (12%) percent), or $5.00 per month, whichever is larger. The finance charge on your account is computed by applying the periodic rate to the overdue balance of your account.  The overdue balance of your account is calculated by taking the balance owed thirty (30) days ago, and then subtracting any payments or credits applied to the account during that time.

Required payments: Any co-payments required by an insurance company must be paid at the time of service.  Because this is an insurance requirement, we must receive co-pays at the beginning of your visit. Unpaid co-pays will result in a $10.00 billing fee added to your monthly statement.

Returned checks: There is a fee (currently $40) for any checks returned by the bank.

Waiver of confidentiality:  You understand if this account is submitted to an attorney or collection agency, if we have to litigate in court, or if your past due status is reported to a credit reporting agency, the fact that you received treatment at our office may become a matter of public record.

Transferring of Records:  You will need to request in writing, and pay a reasonable copying fee if you want to have copies of your records sent to another doctor or organization. The amount of the fee is dependent on the number of pages we need to copy.  You authorize us to include all relevant information, including your payment history.  If you are requesting your records to be transferred from another doctor or organization to us, you authorize us to receive all relevant information, including your payment history.

Workers Compensation:  We require written approval/authorization by your employer and/or worker’s compensation carrier prior to your initial visit.  If your claim is denied, you will be responsible for payment in full.

Personal Injury: If you are being treated as part of a personal injury lawsuit or claim. We require that you allow us to bill your health insurance.  In the absence of insurance, you will be charged the cash rate, which is due at the time of service. Payment of the bill remains the patient’s responsibility.  We cannot bill your attorney for charges incurred due to a personal injury case. We do not accept 3rd Party claims.

 

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Contact Us

Core Physical Therapy
1236 SOM Center Road
Mayfield Heights, OH 44124

Phone: 440-683-4438
Fax: 440-683-4371
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Web Address: www.coreptohio.com

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