Our practice participates in most insurance plans. However, since each plan has different requirements, coverage limitations and exclusions, it is the responsibility of the patient to understand and meet the requirements of their individual plan and will directly bill your insurance under these plans. Please understand that health insurance plans may not cover all of the cost of our services. The charges for which you, the patient, are responsible for are detailed below. The payment for these charges is due at the time services are rendered.
Copay: Co-payments are due at time of service. A portion of the charge that is not covered by insurance and due from the patient. This is collected at each office visit (preventive visit 'annual physical' may be exempt). TNG accepts cash, check, or debit and/or credit card payment.
Deductible: The amount of money that you must pay each year before the health insurance plan starts to pay for any covered services. If you have a high deductible and you have not had any significant medical expenses, it is likely that you will need to pay for the entire office visit out of pocket, since our charges are much lower than most deductibles.
Coinsurance: Your health insurance plan may require that after you meet your deductible you continue to pay a portion of the medical expenses. Coinsurance is the percentage of maximum allowable charges that you will be required to pay, and may vary according to the type of services provided.
Out-of-pocket maximum: The maximum amount that you are responsible for per calendar year. Once you pay this amount, the insurance plan will pay for all covered medical expenses at 100 percent, meaning there are no further copays, deductibles, or coinsurance payments.
Maximum allowable charges, contractual discount: As a condition of participation in your insurance network, we have agreed to accept lower payment for covered services than our cash prices. Even if you are responsible for payment for services because of deductible, we cannot charge you more than the maximum allowable charge specified by your insurance. The difference between our cash prices and the insurance negotiated prices is the contractual discount.
Non-covered services: Your contract with the insurance company will likely specify that some services are not covered. Insurance companies are free to specify which services can be excluded from coverage. Health plans vary significantly in what they cover.
If your account has a balance exceeding $50 we require that you pay the outstanding balance by cash or a credit card before we provide any further services to you.
Notice of your rights to receive a Good Faith Estimate: You have the right to receive a Good Faith Estimate explaining how much your medical care will cost. Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services, including related costs like medical tests, prescription drugs, equipment, and hospital fees. Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises