William Cromwell, MD, FAHA, FNLA

Our Financial Policy

 

For your convenience, our financial policies are listed below.

​

1. All charges must be paid at the time of service.  Our treatment fees are the same for all patients, regardless of insurance coverage, as required by law.

 

2. The contract with your insurance company to pay for a portion of your medical care is between you and your insurance company.  By eliminating costs associated with billing, coding diagnoses and procedures, referrals, authorizations, payment delays, EOB reviews, claim denials, resubmissions, collection risks, and other managed care costs, we can provide patients a fair price for services without the administrative hassles and bureaucracy.

 

3. For your benefit, we will always provide you with a list of our fees and billing codes before any services are performed.  We recommend that you contact your insurance carrier to verify your benefits and gain a basic understanding of how your insurance will reimburse you for services provided by our office.  Unfortunately, insurance carriers are not always willing to disclose their allowable fees or the billing codes they will cover.  If this is the case, you may want to contact the NC Department of Insurance. 

 

4. It is your responsibility to obtain all referrals/authorizations required by your insurance plan and to file your claim with your referral/authorization.

 

5. You will be given a completed receipt (and a duplicate copy for your records) with all the codes necessary for you to file a claim with your insurance carrier.  We recommend you contact your insurance carrier and request instructions for filing your claims.  

 

6. Our office does not fill out “forms” from insurance companies.  A copy of the patient’s medical records will be forwarded to the insurance company upon receipt of a signed authorization to release medical records.  Their medical review professionals can extract the information required from these records.

 

7. Please note: We are unable to offer in-house financing or payment plans.  If you are unable to pay for your services in full with cash, check, or money order, you may put the balance on your credit card and make monthly payments to your credit card company.

 

8. Medicare:  Dr. Cromwell has chosen to “Opt Out” of Medicare.  All patients who are on Medicare or eligible for Medicare must sign the federally mandated “Private Contract” to receive services at our clinic.  All services must be paid at the time of service, and neither Dr. Cromwell nor the patient may file a claim to Medicare for reimbursement.

 

9. Medicaid: We are not accepting any Medicaid patients. We will only accept “Private Pay” patients.  We will not file any Medicaid claims for reimbursement of your medical services.

 

10. Champus / Tricare:  We are not an active Champus/Tricare/Tricare for Life provider.  We will not accept Champus / Tricare / Tricare for Life insurance, we will not file any claims to Champus / Tricare / Tricare for Life, and we will not accept the Champus / Tricare / Tricare for Life fee schedule for reimbursement of our services.