Insurance and Payment Policies
Thank you for choosing Carteret Foot and Ankle Specialists, PC to provide you and your family with quality podiatric care. We are pleased to participate in your foot care and look forward to establishing a lasting relationship with you. We feel the better you understand our policies, the better we can serve you.
We participate with Medicare, Tricare, FEP-BCBS, BCBS of NC, and State Employee plans as well as several other commercial carriers, including Aetna, Cigna, United Health Care, MedCost and others. Since insurance policies vary greatly in what they cover, it is your responsibility to:
Verify that the provider you are scheduled with actively participates with your insurance plan
Know your benefits, deductible, co-insurance and co-pay requirements prior to your visit
Verify that the provider you are scheduled with actively participates with your Ensure that all pre-approved requirements are met to avoid denials or out-of-network benefits
Your insurance policy is a contract between you and your insurance company. In the event that one of our providers does not have a participation agreement with your insurance plan, please be aware that some and perhaps all of the services provided may be non-covered and you will be responsible for the full amount not paid by the plan.
According to NC Statue 58-22253, insurers are required to pay a properly submitted claim within 30 days. It is your responsibility to provide the correct information to our office so a claim can be properly submitted. Most often, errors in billing are related to incorrect information. It is your responsibility to promptly furnish requested information to your insurance company. Many times claims are delayed because the subscriber has failed to respond to a request for information from their carrier. If either the practice or the plan fails to receive accurate information to process your claim, you will be held responsible for the charges. Payment not received in 60 days from your insurance company may transfer to patient responsibility and you will be responsible for payment. If we receive payment at a later date, you will be refunded by Carteret Foot and Ankle Specialists.
COPAY, COINSURANCE, DEDUCTIBLE
Many plans require that a patient pay a co-pay at each visit. We will collect your co-pay when you check in. If you do not have money to pay your copay we will ask you to reschedule to a later date when payment is available. To avoid collection issues and unnecessary billing expenses, we will collect at the time of service any percentage co-insurance or deductible not met. The amount calculated is based on our negotiated fee schedule with the carrier or our standard rates if we are out of network.
An account is considered delinquent if the statement is not paid by the next billing cycle. Failure to pay will result in your account being turned over to an outside collections agency.
We accept cash, checks, Visa, and Master Card.