Billing

It is very important that you understand the financial arrangements for your medical and surgical care. The fees at Women's OB-GYN, P.C. are set by the physicians.The Administrator oversees the collection of those fees.

Patients are responsible for payment at the time of their appointment. If you have insurance or governmental reimbursement, you should work with your carrier or governmental agency for your compensation.
We realize you may not be able to pay your medical expenses in full at the time of service. We are happy to work out a payment plan with you. Simply call the office at 989-792-7020 to arrange a schedule of regular payments.

Credit Policies

Our credit policies follow. If you have any questions about policies or fees, please do not hesitate to ask.

1. Office Calls
We ask that all office calls be paid in full at the time of the visit.

2. Obstetrical Care
If you have no insurance, our full fee is to be paid prior to delivery. Any amount not covered by your insurance should also be paid prior to delivery. Our office will help in arranging a payment plan.

3. Surgical Fees
If you are unable to pay your surgical bill within 90 days, please contact our Billing Department to work out a payment schedule.

4. Rebilling Charges
Patients who pay promptly should not bear the extra expense of collecting past due accounts. A rebilling charge of $2.00 per month will be added to those account 90 days or more past due.

Insurance

After a surgical or obstetrical procedure, Women's OB-GYN, P.C. automatically completes a standard insurance form. All insurance companies accept this form, so you will not need to send us your own insurance form. Whenever it is possible, we will send this form directly to your insurance company. If we do not have your insurance company's address, the form will be sent to you. You should then forward it to your insurance company or to your employer.

Women's OB-GYN, P.C. will send you a statement each month until your account is paid in full.

Participating Insurance Carriers

Women's OB-GYN, P.C. participates with Blue Cross/Blue Shield of Michigan, Health Plus, Medicare, Blue Care Network, PPOM and M-Care. The amounts these companies pay us will be accepted as payment in full. However, patients will be responsible for any services not covered under their contract or for services rejected by insurance. Patients are also responsible for any co-pay or deductible amounts. If your insurance carrier requires a referral for our services or precertification for any services, inpatient or outpatient, you will need to notify them directly prior to these services.

Deposits

If a patient does not have insurance or if a service is not covered by insurance, we ask for a deposit prior to rendering that service. Someone from our Billing Department will assist you in setting up a payment plan for the remaining balance due.

Obstetrical Services

If you have no insurance, you will be asked to pay a $250.00 deposit before your first visit with us. The balance of the total fees will be due in full before delivery. Please contact our billing department to arrange a payment plan.

Sterilization

All insurance companies do not cover this surgical procedure. If your policy does not cover this procedure, you will be asked to pay the entire fee before your surgery.

Miscellaneous

1. For your convenience, we accept Visa, MasterCard and Discover Card.

2. Any overpayment by you or your insurance company will be refunded promptly.

3. Lab tests - such as blood work, Pap smears and other tests - ordered by Women's OB-GYN, P.C. will be billed by the laboratory. Any questions you may have with these bills should be directed to the lab that performed the test.

4. If you cannot keep a scheduled appointment, please call prior to that time to reschedule. If you fail to show up without notification for three consecutive appointments, we will no longer be able to accept you as a patient.

5. If you have questions regarding your account, please contact the Billing Department at 989-792-7020. If your account has been turned over to a collection agency, Women's OB-GYN will no longer be able to grant you medical services.