Financial Policy

We are committed to providing you the best possible medical care, and this includes the accurate and transparent handling of your account.  In order to provide an understanding between our patients and the practice, we have implemented the following financial policy.  If you have any questions about this policy, please contact our billing department at 708-312-0818.  If you have questions about whether or not we participate with your insurance please contact our office prior to your appointment at 616-738-3997. For questions about your insurance coverage please contact your insurance company prior to your appointment.

It is always best to ask questions about your insurance coverage prior to having services performed.

• A drivers’ license is required to be shown at your visit to verify that we are providing services to the appropriate person and protect our patients from identity theft.
• For all services rendered to minor patients, the parent or guardian accompanying the minor on the first visit is responsible for expenses incurred.
• You will be responsible for all charges if you do not present current insurance information, or notify us of policy changes.
• You will be responsible for any charges associated with collection costs, including court costs and actual attorney fees and any costs if your account goes to a collection agency due to an unpaid and overdue balance.
• We frequently perform surgical procedures that require lab work. We will bill your insurance for this lab work. A separate statement will be sent to you for any amount not paid for by your insurance.

Regarding Your Insurance

• Your insurance requires payment of copays at the time of service. We accept cash, check, money order, credit, or debit cards.
• You are responsible for any services that your insurance does not cover at the time of service.
• We will file an insurance claim with your insurance company if you provide us with your current insurance card at your visit. If your insurance company has not paid the claim within 45 days, you will be responsible for payment.
• Your insurance policy is a contract between you and your insurance company in which the doctor is not involved.
• You are responsible for any co-insurance or deductibles that your insurance requires.
• Please note: Because a service is “covered” by your insurance policy does not necessarily mean that your insurance company will pay for the service.  Your insurance policy may have deductibles and/or co-insurance that must be met before they will pay for services.  If you are unsure or your policy requirements, please contact your insurance company prior to your visit.

If you have no insurance, or if we do not participate with your plan:

• Payment for services is required at the time of service. We accept cash, check, money order, credit or debit cards.
• If you provide us with your current insurance information, we will file a claim with your insurance company as a courtesy.
• In our discretion, we may be willing to set up a payment plan. A payment plan should be established prior to receiving your care. Our usual collection practices will be implemented upon failure to meet any of the obligations of such a plan on time.

"No-Show/Cancellation Policy”

• If you are unable to keep your appointment, we request that you cancel at least 24 hours in advance. A minimum advance notice of 4 hours is required to avoid the no-show fees below. 
• Failure to arrive for your appointment, or failure to arrive at the appropriate time, is counted as a no-show.
• If you are a new patient and you no-show your appointment, you will not be allowed to reschedule.
• We make reminder calls as a courtesy, but it is your obligation to keep scheduled appointments, with or without a reminder.
• There is an expense incurred when you reserve scheduled time at this office. If you “no-show” or cancel your appointment in under 4 hours, you will be charged $25; the fee for each additional “no-show” or cancellation under 4 hours will increase by $25, to $50 and finally $75.  Cancellations are ONLY accepted during office hours by phone call.
• Late Cancellations or No-Show’s for scheduled Full Body Skin Exams will incur a minimum $50 FEE.
• These fees must be paid before you can schedule another appointment.
• If you fail to make any of these payments, we reserve the right to discharge you and all family members from our practice.

Regarding Outstanding Balances

• If you, or any immediate family member, has an outstanding balance due upon check-in for your next appointment, you will be presented with a statement for that balance to be paid at that time, regardless of whether or not you have been mailed a statement.
• We do understand that medical expenses can be burdensome. Please know that we are very willing to establish a payment plan that fits within your budget, however, this should be arranged prior to your next visit.  Please do not hesitate to call our office manager to discuss payment plan options.