Patel & Patel, MD, Inc.

304-766-4300

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Financial Arrangements


In order to keep healthcare costs down, we ask for payment at the time of your visit.  For your convenience, we accept cash, check, Visa, MasterCard, Discover, and American Express.


Fees


Fees for normal obstetric care include prenatal care, vaginal or Caesarean section delivery, and six week postnatal care following delivery.  Extra charges will be assessed for lab results, ultrasound exams, non-stress tests, fetal monitoring, high risk pregnancy, amniocentesis, and Pap smears or other tests or procedures that may be required.


Surgical fees may vary depending on procedure and global package.  There will be additional lab charges for any required pre-operative testing.  You will also receive separate bills from the hospital or outpatient facility and other service providers. 


We understand that sometimes circumstances make it difficult to make payment on a timely basis.  If necessary, we can arrange a payment plan for obstetrical or gynecological services.  Please contact our insurance department at 304-766-4300 if an unusual financial problem arises. 


Forms


We are happy to complete forms for you.  The physicians require payment of $25.00 for the first form completed.  The fee for a second form is $20.00 and each additional form is $15.00.  Payment is required at the time the forms are submitted.  Payment can be made in cash, check, or credit card. 


Insurance Claims


As a courtesy, we will initiate the claim to your insurance company on your behalf.  Patel & Patel, M.D., Inc. works with most major insurance companies, HMOs and PPOs.


Please keep in mind that insurance is a method for patients to be reimbursed for the fees they have paid for medical services.  Your insurance coverage is a contract between you and your insurance company- not our office; therefore, you are responsible for full payment of your account when due. 


We accept most insurance plans, and as a service to our patients, we will file your insurance claim for you.  However, we understand the processing of insurance claims can be confusing.  Thus, we encourage our patients to be proactive when it comes to their health insurance benefits.  You may obtain benefit information from your employer, your insurance company's web site, or by telephone at the customer service number identified on your insurance card. 


Annual Deductible


The amount you must pay for covered health services in a policy year before your insurance carrier will begin paying for non-network benefits in that policy year. 


Benefits


Your right to payment for covered health services that are available under your policy.  Your right to benefits is subject tot he terms, conditions, limitations, and exclusions of the policy, including a certificate of coverage and any attached Riders and Amendments. 


Co-Insurance


The amount you are required to pay as a percentage of the total cost of care. 


Co-Payment


The amount you are required to pay for certain covered health services.  A co-payment may be either a set dollar amount or a percentage of eligible expenses. 


Covered Health Services


Those health services provided for the purpose of preventing, diagnosing, or treating sickness, injury, mental illness, substance abuse, or their symptoms.