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LFM's Financial Policy
Whether you are new to Locke Family Medicine (LFM) or if we have had the pleasure of serving you over
the years, we would like you to be aware of our financial policies.
Providing high quality medical care to you and your family is a matter of
personal satisfaction for each one of our physicians. When you or your family
member needs medical care, we are happy to take care of your needs. When you
utilize our services, you are responsible for the costs incurred.
Understanding our financial policies is an essential element of your care and
treatment. If you have any questions regarding our policy, please feel free to
discuss them with our staff. To speak with our Practice Manager surf to the
Contact Us page.
YOUR INSURANCE
Please understand, as health care providers, our relationship is primarily with
you, not your insurance company. As a courtesy and convenience, we will file
claims for all of our patients. We cannot, however, bill your insurance company
unless you give us current, accurate insurance information. You can help us by:
- Bringing your insurance card with you at each appointment.
- Paying your co-payment and other payments due, as a result of your
insurance contract, at the time of service.
- Contacting our patient accounts department if you have any questions
regarding your account.
If you do not pay your required payment at time of service (relating to the
office visit or co-payment), you will be charged an additional billing fee of
$5.00 each time you have an office visit.
MANAGED CARE PATIENTS
LFM currently contracts with a number of health plan carriers. Though we submit
claims to these contracted carriers, you are responsible for a co-payment,
coinsurance, or deductible amount at the time you receive services, according to
the terms of your health plan contract. Patients are expected to pay their
co-payment and/or any patient responsibility office visit payment at the time of
service.
COMMERICAL/INDEMNITY INSURANCE PATIENTS
If provided adequate billing information and if we participate/contract with
your commercial carrier, we will send your claim to the commercial insurance
carrier. We will allow 60 days for the insurance to pay the claim. After that
time, we will require payment from you. If your insurance company pays you
directly, you are responsible for paying LFM.
MEDICARE PATIENTS
LFM accepts Medicare assignment. If there is a Medicare supplement insurance
policy, LFM will file your claims as a courtesy to you. You are responsible for
any deductibles and/or co-insurance amounts not paid by Medicare or supplemental
insurance coverage.
WORKERS' COMPENSATION
LFM will file to your employer's Work Comp Carrier when provided with adequate
billing information. LFM will need the name of the Carrier, the date of injury
and the claim number in order to do so. You will receive a bill if we do not
have all the required information. Please contact our billing office as soon as
you obtain the information so that a claim may be filed.
SELF-PAY PATIENTS
You are responsible for full payment of charges at the time of service. All
charges must be paid unless you have a signed payment plan.
METHODS OF PAYMENT We accept cash, checks, and credit cards (VISA,
MasterCard). We do not accept post-dated checks, nor will we hold checks for any
length of time. LFM will charge a $25.00 billing fee for all returned checks.
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