Southwest Center for Healthy Joints, S.C. - Where Motion is Life, Phone: 708 - 229 - 0101

Financial Policy

We maintain the following policies:

Co pays, past due balances and payments for services rendered are expected at the time services unless other arrangements have been made in advance. We accept Visa, MC, Discover, and American Express.
As a courtesy, we will submit patient insurance claims to the primary insurance carrier. If the patient’s insurance does not process claims within 60 days from date of service, we reserve the right to bill the patient directly for payment.
Patients are responsible for deductibles, co pays, non-covered services, coinsurance, and items considered not medically necessary by the insurance carrier.
Our billing and revenue cycle process is performed in the following manner. Patients are encouraged to understand the mechanisms of their insurance to better understand what their employer benefits package covers.

Days After Patient Visit	Insurance Action	Patient Action
0-30 days	1st statement = Informing patient that insurance has been billed. No patient payment due at this time.	None
31-60	2nd statement= Insurance will be followed up with inquiring status of claim. Any supplemental information required by the office will be submitted, if needed by insurance carrier. No patient payment due at this time.	None
61-90 days	3rd statement = Insurance has either: paid on claim and balance is patient responsibility; or denied payment and balance is patient responsibility; or requires information from patient to process claim.	Patient is to pay balance in full. Pay balance in full and follow up with insurance to obtain reimbursement. patient must call insurance and submit required information within 14 days or balance will be patients responsibility.
91-120 days	4th statement = At this point it is no longer an insurance issue. Balance is the patient’s responsibility. This forth statement is a pre-collection notice.	Patient must pay balance. This is the pre-collection stage. If not paid in full by the end of that month, patient will be forwarded to collection agency.

Care Credit

We also offer financing for procedures to those patients that have challenges with their insurance. The Care Credit program allows patients to finance their healthcare at a reasonable and affordable monthly rate. It will also help build positive credit. To learn more, ask one of our billing associates about the Care Credit plan.

Workers Compensation

Workers Compensation patients should be covered by their employer's insurance when the injury was reported at work and verified by the employer. Patients are responsible for providing insurance carrier name, address, phone number, and claim number for us to process the workers compensation claim.

Personal Injury (Motor Vehicle Accidents Or Otherwise)

The patient is responsible for providing the necessary information to bill the responsible party. If payment is unable to be obtained, charges for the services rendered will be patient’s responsibility.

Forms Completion

There will be a $10.00 fee for completion of any medical forms. Allow 3-5 business days for completion.