NLM Financial Policy
Welcome to Nu Life Medical
We are pleased to have you as our patient. Nu Life Medical is dedicated to providing quality, accessible, and cost-effective health care services to our patients and we strive to make every visit a positive experience. This information was designed to provide our patients with a detailed explanation of our financial policies. We realize this information may not always address your specific situation, and we have staff members available to answer any questions regarding your account.
Upon arrival to your Consultation appointment, we’ll ask that you provide us with the following information to verify your insurance coverage:
- Driver’s License or State ID
- Current Insurance Card(s)
Having information readily available will make the insurance claim process move quickly for you.All information obtained is kept in your confidential medical record.
Co-Payments
A member of our staff will call you to confirm your insurance coverage as well as any office visit copay to be collected per your plan before you begin treatment. For your convenience, we can also handle your payments on your account at the registration desk. We accept cash, check, debit cards, and major credit cards (MasterCard, Visa, Discover, and American Express).
General Insurance Policy
As a convenience to you, our insurance staff will file a claim on your behalf provided we have your current insurance policy information available. However, it is impossible for our staff to determine your coverage and payment levels, since each insurance company offers many options as part of their health care coverage.
Ultimately, the patient is responsible for the balance of their Nu Life Medical charges for service after what his or her insurance has covered. You will be responsible for your annual deductible, co-payment, and any non-covered services specified by your insurance. It is the patient’s responsibility to know the details of their insurance contract (including co-payment, co-insurance, deductible, and out-of-pocket maximum amounts). It is the patient’s responsibility to determine whether Nu Life Medical is a network provider for their particular plan. Patients should resolve disputed coverage issues directly with their insurer or employer.
Nu Life Medical reserves the right to determine which insurance companies or programs we participate with on an annual basis.
Medicare Policy
Federal law requires all physicians to file claims to Medicare. Nu Life Medical accepts Medicare assignment. This means we agree to accept Medicare’s allowance on services provided to you. You will still be responsible for your annual deductible, co-payment, co-insurance, and any non-covered services specified by Medicare.
If you carry a supplemental plan to Medicare, please be sure we have your policy information so that a claim can be properly filed for you.
Insurance Non-Coverage
If you are not covered by a medical insurance plan, payment is expected at the time services are provided. We offer CareCredit to our patients, and payment plans can be coordinated.
General Account Payment Policies
All accounts are payable upon receipt of your first statement. Credit is extended as a courtesy, and arrangements will be based on demonstrated needs.
Payment in-full of the amount not covered by your insurance carrier may be required prior to receiving care if you have a present/previous clinic account turned over to a collection agency, an overdue balance, or a recent bankruptcy case.
Hardship
Patients who are having financial difficulties may qualify for a reduction in a repayment plan or a financial adjustment on their account. They will be required to complete a financial form and include the necessary information to process their application.
Missed Appointments
We reserve the right to charge for missed appointments, and for appointments canceled without a 24-hour notice. These charges will be your responsibility and will be billed directly to you.
Questions Regarding Your Account
For a deeper understanding of what your cost (if any) will be for treatment, you will have to reach out to your insurance carrier as each individual’s plan is different. Your insurance carrier may ask for specifics to accurately inform you of your coverage and out-of-pocket cost. For specifics of the treatment protocols, diagnosis you need to report, CPT codes, or on the DME (brace) specifically, our office and we can get you the information you need.
Thank you for your cooperation in helping us serve you with cost-effective, accessible, quality care.
