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Copay, Deductibles, & Coinsurance

Morgan Health Centers

Copay, Deductibles, & Coinsurance

Payment at the time of service.​

We do accept many insurances, however, we advise you to contact your insurance carrier to verify we are on your plan prior to your visit and to verify your benefit.

As required by insurance plans, all co-payments are due at the time of service. Co-pays, co-insurance, deductibles and non-covered services cannot be waived by our office as it is an insurance requirement. 

After your insurance company has processed your claim and remitted payment, any remaining account balance is your responsibility and will be billed to you accordingly.

Copays

Waiver of co-payments may constitute fraud under state and federal law. Please help us to uphold the law by paying your co-payment at each visit.

Our office does not bill for co-pays. If a patient is not prepared to pay the co-pay, the clinical staff will determine if it is medically necessary for the patient to see the physician. If the patient’s condition allows, the appointment will be rescheduled. 

You are expected to satisfy any co-payment obligations required by your insurance carrier at the time services are provided to you. It is also expected that you will present an insurance card at each visit. 

All co-payments and past due balances are due at the time of check-in unless previous arrangements have been made with a billing specialist. We accept cash, check, or credit cards.

Deductibles​

Insurance companies share the cost of your medical care in various ways. One common method is by including a deductible in your health insurance plan. A deductible is the amount you pay each year for most eligible medical services or medications before your health plan begins to share in the cost of covered services. If you have an un-met deductible, we will collect the amount of the visit up to the un-met deductible amount. Any overages paid will be refunded to you.

A quick call to the number on the back of your insurance card will put you in touch with a representative from your insurance company who can give you all the details of your policy such as your specialist copay, any unmet deductible amount, as well as whether or not our doctors are in network with your policy.

If we are in-network, we will bill your primary and secondary insurance carriers. You are responsible for deductibles and percent payment as stipulated by your plan. If we do not participate in your plan, we can see you on an out-of-network basis. Review your plan coverage for out-of-network benefits.

Coinsurance​

Coinsurance is a cost-sharing practice between the health insurance company and the policyholder. With coinsurance both you and your insurance provider pay for part of the health care services provided. After your deductible has been met, the plan will begin paying a percentage of your bills. The remaining amount, known as coinsurance, is the portion due by the patient. 

You can get details regarding your co-insurance, if applicable, from your insurance company. Check your plan coverage details information regarding deductibles, copayment, and coinsurance related to the services received. 

Patient Information

Billing – Morgan Health Centers, participates in several health insurance plans and will bill accepted insurance carriers. Statements are sent on a monthly basis and all balances are due within thirty (30) days of the initial statement date unless prior arrangements have been made. The patient will be responsible for any fees that the insurance carrier or any payer (which includes but not limited to self pay, spouse, parent, guardian etc.) does not cover.
» more about Billing

Payments – Payments and/or Co-payments are due at the time of the service unless other arrangements are made. I understand that I will be charged a $10 service charge if I fail to make my payment and/or co-payment at the time of my appointment.
» more about Payments

Collections – Balances over 30 days old will be assessed a late fee. Late fees and late cancellation fees cannot be billed to insurance claims.
» more about Collections

Insurance – If we accept your insurance, we will file claims on your behalf. All co-payments are due at the time of service unless other arrangements are made. You will receive a statement for deductibles, co-insurance and non-covered services. If you do not have insurance, you will receive a statement for all services rendered. If you have any questions, please call our office.
» more about In & Out-of-Network Insurance

Copay, Deductibles, and Coinsurance – Fees need to be paid at the time of the service unless an alternative payment schedule has been negotiated.
» more about Copay, Deductibles, & Coinsurance

Self-Pay – We offer affordable rates for patients without insurance or who wish to not use their insurance. For self-pay accounts, payment must be made at the time of service.
» more about Self-Pay

Sliding Scale – We offer a patient sliding fee scale to people who otherwise cannot afford mental health services. Patients must meet financial and other specific criteria to be eligible.
» more about Sliding Scale

Thank you for trusting us with your health & wellness needs.