CARD ON FILE POLICY
Neuro Physical Therapy & Sports Medicine, LLC requires that almost all patients provide a form of payment in case of further patient cost responsibility after insurance adjudication of their visit. This mandatory card on file policy allows for smoother transactions and billing for our patients and will ensure that NPTSM can collect for services rendered in a timely manner from all patients.
The only patients not required to provide a card on file are listed. All other patients must provide a card on file.
Self-pay-FFS patients when visit is paid in full at time of service
Options for Card on File include:
• Debit card
• Credit card
Copays will still be collected at each visit (if applicable). We will submit all patient claims to insurance as usual.
When the insurance claim is processed, we receive an explanation of benefits (EOB), either in the mail or electronically from the patient’s insurer that outlines the patient responsibility for services rendered and will charge the card on file the amount indicated as patient responsibility for services rendered after receiving the receipt of that EOB. If there is no balance due as per the EOB, the card on file will not be charged.
Your Questions Answered
WHY THE CARD ON FILE POLICY?
The financial burden continues to be shifted to the patient due to increasing factors within the healthcare market. Our payment policy helps patients better manage these costs and simplifying the patient experience, allowing us to focus more on delivering exceptional patient care.
HOW CAN I TRUST THAT YOU WILL KEEP MY CARD SAFE?
With HIPAA regulations and PCI compliance, we are under strict guidelines in terms of protecting patient privacy and credit card information. We will only charge a patient's card for agreed upon transactions.
HOW MUCH ARE YOU GOING TO CHARGE MY CARD?
You will be charged the amount indicated on your EOB (less any payments made at the time of service including co-pays).
WHAT IS A DEDUCTIBLE AND HOW DOES IT AFFECT ME?
An annual deductible is the dollar amount you must pay out of pocket during the year for medical expenses before your insurance coverage begins. For example, if your policy has a $500 deductible, you must pay the first $500 of medical expenses before your insurance company begins to pay for any services.
HOW WILL I KNOW IF MY DEDUCTIBLE HAS BEEN MET?
You may find out when your deductible is met by calling your insurance company at any time. Some insurance companies also have this information available online.
WHAT HAPPENS IF I NEED TO DISPUTE MY BILL?
We will always work with you to determine if there has been a mistake on your bill, and we will refund you if we have made a billing error. We will only charge you the amount that we are instructed to by your insurance carrier in your EOB. You can contact our clinic with any questions (561) 961-4726.
I’VE ALWAYS PAID MY BILLS ON TIME, WHY DO I HAVE TO GIVE YOU A CREDIT CARD?
Due to the complexities of the current healthcare laws, we take this approach with almost all of our patients.