Thank you for choosing Deerpath Ambulatory Surgical Center as your healthcare provider. The Surgical Center realizes that the cost of healthcare is a concern for our patients. We have provided the following information to help you understand our financial policies and aid you in planning for payment.
Prior to your surgery, you will receive a call from the Surgical Center to explain the information received in regard to your procedure and benefit coverage.
Your insurance policy is a contract between you and your insurance company. As a courtesy, we will help you receive maximum benefits by promptly filing your claim and supplying information as required by the insurance company for claim processing. In order for your claim to be filed in a timely manner we require that you provide patient and insurance information at your visit. Please remember to bring your current insurance cards and a photo ID with you to the Surgical Center.
If your insurance carrier reimburses you directly for our services, we expect you to send or bring the signed insurance check and EOB to Deerpath Ambulatory Surgical Center within seven (7) days.
All copayments must be paid at the time of service. A copayment, or copay, is a capped contribution paid by the patient each time a medical service is rendered. It must be paid before any policy benefit is payable by an insurance company.
Deductibles and Coinsurance
Your estimated deductible and coinsurance amount are due at the time of service. Your deductible is the amount you have to pay out-of-pocket for services before your insurance company will begin to pay. Coinsurance is a co-sharing agreement between you and your insurance company which provides that your insurance will cover a set percentage of the covered costs after the deductible has been paid. If you have a high deductible plan, be prepared to pay for your services in full on the date of service.
Method of Payment
For your convenience, Deerpath Ambulatory Surgical Center accepts cash (US dollars), local personal checks, cashier checks, Visa, MasterCard and Care Credit.
The Surgical Center accepts Medicare patients. Ambulatory Surgical Center benefits for Medicare patients include a yearly deductible and a 20% copayment. You are expected to pay your deductible and estimated 20% on the date of service. If there is a secondary insurance and Medicare does not cross it over to your carrier, we will gladly file the claim on your behalf.
If you are having a procedure/surgery because of a work-related injury, the Surgical Center will receive the detailed information on your worker’s compensation insurance from your physician’s office. You will also be required to provide your personal health insurance information. If for any reason the worker’s compensation claim is denied by the carrier, we will bill your personal health insurance plan for coverage of the claim. If your personal insurance does not cover the claim, you will receive a bill from the Surgical Center that is due upon receipt.
Patients that are not covered by insurance are expected to pay the surgical charges in full on or before the date of service. If you are unable to make payment in full, please call the Billing Office prior to your surgery to discuss financial arrangements.
The charges will be based on 450% of Medicare with a 30% reduction. If patient pays in full before or the day of surgery a prompt pay discount of 15% will be applied.
The charge for a returned check is $25.00. If a check is returned for insufficient funds, the Surgical Center requires that you make a payment equal to the returned check plus the $25.00 charge within fifteen (15) business days of bank notification.
Collection of Unpaid Accounts
If your account becomes delinquent it will be turned over to a collection agency. A delinquent account is an account that has had no payments in ninety (90) days, sporadic payments or nonpayment of a check returned for insufficient funds.
You will receive a separate bill from your physician for his professional services at the Surgical Center. In addition, if you require anesthesia, the contracted anesthesia group will bill you for their services. If your physician orders pathology or blood work while at the Surgical Center, the laboratory will bill you directly for their services.
In the event a refund balance occurs on your account, our policy is to process refunds on a monthly basis. The amount will be refunded directly to you or your insurance company depending upon your specific insurance contract requirements.