Financial Policy & Agreement
Thank you for selecting Meridian OB/GYN as your healthcare provider. Our commitment is to provide the very best healthcare to our patients while recognizing the need to limit services to only those medically necessary. The responsibility for payment of fees for these services is the direct obligation of the patient. Any financial payment you may receive from private insurance or government agencies is a matter strictly between you and the insurance carrier or government agency. You must realize that your health benefit plan is an arrangement between you and the insurance company, HMO or your employer. Your health benefit plan determines your coverage, any requirements for prior authorization or referrals, and establishes the limit on your coverage for medical services. We cannot know the benefits and exclusions of each patient’s policy. It is the patient’s responsibility to know and understand her coverage benefits.
For insurance plans we participate with, we will seek to obtain verification of your eligibility. However, even when such eligibility and/or benefits are verified, your insurance plan will not guarantee the accuracy of their confirmation of coverage or benefits, that you are eligible, or that your benefits are in force. You will be responsible for payment of all eligible charges not covered by your insurance policy.
Billing your Insurance Carrier:
This practice will invoice you or your insurer. If a bill is not disputed by the guarantor of the bill, patient or by the insurer in accordance with the State of Mississippi regulation, and is not paid within 45 days, we will transfer the balance to your responsibility. Please be advised that in Mississippi a health insurer is required by regulation to pay its claim within 45 days. Should your insurer fail to do so, they are in violation of the regulations of the State of Mississippi and you should contact the Mississippi Department of Insurance as you may have recourse against your insurer for their failure.
Please be sure that we have your most current demographic and insurance information at all times. It is your responsibility to provide us with this information. As soon as your information changes, notify us in writing immediately so we can make the appropriate changes in our billing system and continue your care. You will be responsible for any charges billed to the wrong insurance carrier as a result of not providing us with correct insurance information and we will not refile a claim to the correct insurance after 30 days of the service date.
Wellness (Preventive) and Problem-Focused exams:
A Wellness exam provides a screen for various illnesses and diseases in an otherwise healthy patient. This is considered a preventive medicine service. A problem visit is one in which the patient has a specific concern, symptom or complaint. We are required to submit claims based on the services you receive. We recommend you contact your insurance carrier prior to each visit and inquire about the type of benefits you have. Once a claim has been submitted to your insurance carrier the office will not change the coding in order to circumvent an insurance denial as this may be considered insurance fraud.
Should your insurance carrier require a referral or authorization, it is your responsibility to obtain or request one prior to your appointment. Please note some insurance carriers will not allow your OB/GYN physician to issue a referral. In this case, you will need to consult your primary care physician (PCP). The office will not issue referrals or authorizations for services already performed.
Bills from Laboratories, Hospitals and Other Healthcare Providers:
If your medical care requires a pap smear, blood work, a culture or a biopsy, the specimen is generally sent to an outside laboratory or hospital for analysis. When this occurs you may receive a separate bill from the laboratory. If you receive medical care during a hospital inpatient or outpatient encounter, you may receive separate bills from the hospital, the anesthesia department and other healthcare providers involved in your care. Any questions related to these bills cannot be answered by this office and will need to be directed to the billing entity.