To learn about our charges, how we bill your insurance, and payment obligations, please be sure to read our financial policy by clicking HERE.  Please do not hesitate to ask us if you have any questions pertaining to our policy.

 

 

Insurance Plans 

We are contracted with most major insurance carriers, including Medicare. It is ultimately the patient’s responsibility to confirm that we are participating providers for your specific insurance plan. Please call the customer service phone number on your insurance card to varify coverage or visit your insurance company's website.

 

 

Every individual's insurance plan benefits are unique. Most insurance plans are calendar year plans, meaning the benefit period renews every January 1st. For example, any amount paid to the insurance company in 2009 will not apply to the patient's 2010 benefits. Some plans are a "Benefit Year" or "Plan Year". In this case, the plan may renew July 1st and end on June 30th of the following year. We recommend that you contact your insurance company to varify which type of plan you have. Some plans may be a Calendar Year Plan even if your coverage began in any month other than January.

 

Most insurance plans have a deductible. The deductible amount is the amount contracted with your insurance that must be paid out of pocket by the patient before the insurance will begin to cover any incurred expenses. As stated above, all insurance plans are unique and therefore the deductible can apply to office consultations and/or any procedures or surgeries that are performed on the patient. If you have questions about how your deductible is applied, please contact your insurance company's Member Services.

 

Some insurance plans have a co-payment (co-pay) for medical services. A co-pay is a contracted fee for specific services. For example, a patient may have a $25 co-pay for office visits to their primary care doctor, a $50 co-pay for specialist services, and a $200 co-pay for hospital admissions. (Note: Alpine Surgical is a Specialist Office.)

 

Some insurance plans also have a co-insurance. The co-insurance amount is the portion that the patient pays once the deductible has been met. It is a shared agreement between the patient and the insurance company, and states that the patient will cover a set percentage of the incurred expenses. For example, the patient pays 30% and the insurance company pays the remainig 70%.

 

If a plan has a co-insurance, it may also have an out of pocket maximum. The out of pocket maximum is the amount which the patient must pay before the insurance will cover claims at 100%.

 

Please note, Alpine Surgical estimates patient's portions based on the information we receive from your insurance company. This can be obtained either through a phone call to the insurance company or retrieved from their websites. We are contracted with most insurance companies therefore are able to use our contracted rates to estimate the patient's responsibility. We do bill electronically and therefore claimes are processed much more efficiently than they are when billed through the mail. Alpine Surgical does ask for payment at the time of service, however if for any reason our estimate is off, we do refund patients every month. If you have questions about your individual benefits, please contact your insurance company's Member Services.

 

 

Alpine Surgical accepts the following forms of payment:

 

Over the phone

In Person