Schweiger Dermatology Group – Patient Financial Responsibility
Thank you for choosing Schweiger Dermatology Group for your dermatological care.
Schweiger Dermatology Group collects patient balances and patient responsibility at the time of visit. This is considered common practice among medical offices as insurance policies change and deductibles are more common. As the landscape of medical care and insurance changes, we must adapt to it.
We are now able to access patient deductibles; verify how much of your deductible has been met, and request a deposit toward any remaining patient responsibility. Occasionally, some procedural deductibles will be known up front (MOHs surgery and excisions), all other procedures will be billed directly to your insurance company and you will be balance billed.
Verification of this information will allow you to ask questions in real time regarding your insurance and decrease the number of bills and mail sent to you.
Co-Pay, Co-insurance & Deductibles
With all health insurance, a copay is a fixed amount you pay at the time of your visit. Co-pays differ from coinsurance (the percentage you pay for covered services, usually after reaching your deductible). Each plan treats co-pays, coinsurance and deductibles differently, so it is important to understand your own plan’s specific benefits and out of pocket responsibilities. Most plans have some type of co-pay, coinsurance and deductible and we recommend you contact your insurance carrier to gain a thorough understanding prior to your visit. Your insurance carrier will also send you an Explanation of Benefits with the breakdown of their payment to our practice and your responsibilities.
Insurance Plans Requiring Referrals
Your insurance plan may require you to have a referral in place prior to seeing the physician or physician assistant. This requires you to request a referral from your primary care physician and provide them with the appropriate fax number or email address based on which one of our locations you are scheduled to visit.
If a referral is not received by or at the time of your visit, you will be responsible to pay for the cost of services rendered during your visit, for which your insurance will not cover without a proper referral. Once a referral is received, the amount overpaid will be refunded.
During the course of an office visit, if a biopsy or excision is performed, it is common practice to have those samples sent to a laboratory for testing. We have our own laboratory which processes samples for most insurance plans. Based on your insurance plan lab network, you may receive a statement from a third party lab. Depending on your insurance policy, you may receive a bill for non-covered costs related to laboratory procedures. Often these charges are a result of a copay, coinsurance or deductible. If you have no insurance, there is a $100 charge for all lab costs. We will bill you separately for these services in accordance with our billing and financial responsibility policies as outlined in this brochure.
No Show & 24-hour Cancellation Policy
As a courtesy to our providers and other patients, please note that except in the case of an understandable emergency, our practice requires 24 hours’ notice for cancellations. Schweiger Dermatology Group reserves the right to charge a non-refundable cancellation fee or no-show fee without 24 hours’ notice to cancel or re-schedule an appointment. These fees are $50.00 for medical visits and $125 for cosmetic visits.
Cosmetic Procedure Deposit Policy
Cosmetic procedures are considered elective. As such, they are not billed through insurance.
A $125 deposit may be required at the time of scheduling your procedure. The remaining balance must be paid in full at or before the time of service. Cash, credit card, or one of our financing options (Care Credit or Alphaeon) are acceptable forms of payment.
As a courtesy to our providers and other patients, please note that except in the case of an understandable emergency, our practice requires 72 hour’s notice for cancellations of scheduled cosmetic appointments due to the extent of time and resources allocated to such visits.
If you contact our offices to cancel your appointment less than 72 hours prior to your scheduled procedure time, your deposit will be forfeited and cannot be refunded or applied to the service cost.
There are third party creditor offers for our patients who wish to use a payment plan. Patients must apply in person or online via the Alphaeon or Care Credit website.
Patients may use their Alphaeon or Care Credit cards to pay for cosmetic services, medical out-of-pocket services and deductibles or co-pays over the $250 minimum.