Insurance

Payment or co-pays are due at the time of service.  We accept most insurance(s).  Please check to be sure that we are a provider for your insurance.  We will bill primary and secondary insurances for you. 

If you have medical insurance, please know what your insurance requires.  There are many different health insurance plans with different benefits.  As a practice, we cannot know what each and every insurance plan covers.  That is your responsibility.   Please be aware of your policy.  Do you have a co-pay for office visits?  Do you have an 80%/ 20% payment schedule with a yearly deductible?  What is your deductible?  If you are not sure what your insurance benefits are, you can find out by reviewing your insurance plan book, calling the phone number on the back of your insurance card, or speaking with the personnel manager at your place of employment.

Insurance/Networks accepted:

- Aetna
- Anthem Blue Cross/Blue Shield
- Beech Street
- Buckeye Community Health Plan
- Cigna
- Direct Care America
- First Health Network
- Frontpath
- Ohio Medicaid
- Medical Mutual of Ohio
- Medicare
- Nationwide
- Ohio Health Choice
- Paramount
- Paramount Advantage
- PPOM Midwest
- Private Healthcare Systems
- United Health Care
We are NOT providers with any HMO insurances or any Medicare replacement plans. 

No Insurance

If you do not have insurance and you pay for your entire visit at the time of service, you will receive a 15% discount on your bill if you pay by cash, check or credit card.   The 15% discount is not applicable for patients with insurance or on previous balances.

Payment at time of Service

If you cannot make your required payment at the time of service, you will need to call the office to speak with our insurance billing clerk or the office manager to make other arrangements before your scheduled appointment.  Patients who do not settle-up a bill within six months may be dismissed from the practice. 

Referrals

Please bring your insurance cards with you to each of your appointments.  You are responsible for notifying us if you need a referral for your insurance company prior to making arrangements for your referral appointment.

Wellness Visits or Preventative Care Visits

The focus of a well care visit is preventative care.  A well visit is generally a visit in which you are well and your physician is not discussing an illness or chronic disease.  For females, this may include a pap test.  Some insurance companies, including Medicare, will pay for one annual “wellness visit” every calendar year or for one every 365 days.  It is very important that when scheduling this wellness visit, you inform the receptionist of this visit.  Your physician will need to know prior to your visit that this is a wellness visit.  Our office cannot change the billing codes once a visit has been completed to a wellness visit. 

Worker Related Injury/Illness

We do not provide appointments for job related injuries (workers compensation).  If you need an appointment for a job related injury, we will refer you to a specialty clinic at either Fulton County Health Center in Wauseon or St. Luke’s Hospital in Maumee. 

Cancellations

Please, as a courtesy to other patients, call our office 24 hours in advance (if possible) to reschedule if you are unable to keep your appointment or to cancel if the appointment is no longer needed.  If you do not come for a scheduled appointment, it will be noted in your medical file.  If you have repeated no-show appointments or cancellations with less than 24 hours notice, your physician may elect to charge you $40.00 or may dismiss you from the practice.  This $40.00 charge will be charged to you and is not billed to your insurance company.

Fees

The charges for office visits are based on the time required for the visit, the number and complexity of health problems addressed and if other services were provided, examples: injections, lab tests, EKG’s, etc.  New patient visits are at a higher fee schedule than established patients because of the extra time necessary to review history and medications.  Your physician or nurse practitioner will make the appropriate charges at the time of service. 

Returned Checks

There is a fee of $35.00 for any returned checks. 

Form Completion

There will be a $10 fee for any form that we need completed and $5 for each additional page.  This is to be paid at the time the form is completed and cannot be sent to insurance.