Financial Information 

At our practice we deliver the finest care and services available, charge a fair fee, and expect to be paid in a timely fashion.  We accept many insurance plans.  Most insurance companies “wholesale” or reduce our fees significantly, for allowing us access to their subscribers (you the patient).  It then becomes even more important that they also reimburse us in a prompt fashion.  West Virginia state law requires insurance companies to reimburse us within 40 days.

As a courtesy service to you, we will assist you in filing your primary insurance claims and allow 45 days for your insurance company to pay.  However, after 45 days, any remaining balance of your bill is due in full, from you the patient.  Any future insurance reimbursements are then returned to you for any overpayment amounts.  Additionally, most insurance companies do not pay their entire allowable charge, but make you the patient, personally share in that cost.  These costs are called “copays” and “deductibles.” At our office we require these copays and deductibles to be prepaid by the time of your surgical visit. 

As an added incentive for private pay (cash) patients, you may prepay your surgery fee in full less a significant discount prior to your surgery.  Please ask one of our front desk assistants about this special offer when scheduling your appointment.

For patients who do not have insurance coverage, we accept cash payment, most major credit cards, and even offer a special “in-house” credit programs called CARE CREDIT®, and Citi Health Card.  You may apply for CARE CREDIT® or Citi Health Card during your consultation appointment with the doctor.  These credit accounts are similar to applying for a department store credit card.  One simply fills out the application in our office and usually within one hour we are notified of your approval status.  CARE CREDIT® and Citi Health Card offer fantastic terms and great options, depending on your credit history and the amount you are financing.

We usually complete the patient’s financial arrangements during the consultation appointment and then schedule their surgery appointment.  However, due to the patient’s personal schedule constraints such as work, school, etc., we may schedule only one inclusive appointment called a Consult/Surgery Appointment.  In these cases, the consultation and financial arrangements are completed and subsequently the surgery is performed that day.  This scheduling option works quite well unless there are unmentioned health problems or there are any delays with the patient’s insurance, etc. This can be more burdensome on the patient, as they must satisfy the financial arrangements that day and allow their insurance carrier to eventually reimburse them.  The time constraint of consult/same day surgery may reduce some of the patient’s financial options.  We usually recommend 2 appointments with any complex case or multiple insurance plans where the patient desires maximum payment from their insurance carrier(s). 

If there are other questions you may have about oral and maxillofacial surgery or our practice and can not find it in this website, then please call us during regular business hours and we will be more than happy to provide that information or make a consultation appointment for you or your family member.
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