Financial Policy and Insurance
Thank you for choosing CareOne as your medical care provider. We are committed to providing you with quality and affordable health care. Because some of our patients have had questions regarding patient and insurance responsibility for services rendered, we have developed this payment policy.
Insurance is a contract between you and your insurance company. We are not a party to this contract, in most cases. We will inform you if we are a provider with your insurance, and will process claims in accordance with our agreement. We file insurance claims as a courtesy. We will not become involved in a dispute between you and your insurance company regarding deductibles, co-payments, secondary insurance, usual and customary charges, etc., other than to supply factual information as necessary. You are responsible for timely payment of your account. If a balance remains after 60 days we retain the right to recover this amount as soon as possible.
We participate in most PPO insurance plans including Medicare. We ask all our Medicare patients to set up a CROSSOVER if possible. We do not accept Medicaid, or any Medicaid HMO plan. Always bring your insurance card with you when you come in for a visit. If you are not insured by a plan we do business with, payment is expected at the time of each visit. If you are insured by a plan we do business with, but do not have an up-to-date insurance card, payment in full for each visit is required until we can verify your coverage.
All co-payments and deductibles must be paid at the time of service. You will receive a payment confirmation receipt. If you choose not to provide a credit card on file, you will be required to check-in with the front office each time you come in for your shot.The amount we collect is solely determined by what your insurance company tells us with regard to benefits and deductible information. Please help us by paying your co-payment at each visit. If you are without insurance (self-pay), and or the amount owed is large or represents a financial burden, please contact our billing office at 239-596-5560 to request a payment arrangement.
All disability, FMLA, and any other medical forms, will be completed on your behalf the day of the appointment. There will be a $15 charge for each completed form. This will be payable at the time the forms are presented for completion.
Charges for office visits are determined by the time spent, and the severity and complexity of the medical problem. Please do not hesitate to discuss fees with our office manager if you have questions.
We accept check, Visa, MasterCard, and Discover. If your check is returned a fee of $25.00 will be assessed for each personal check returned by your bank as non-sufficient funds.
It is your responsibility to know whether your insurance carrier requires a referral and to bring it with you at the time of service. If you do not bring a needed referral, we will attempt to obtain referral from your doctor if you want to receive services that day. If you are not able to supply a referral from your primary care physician within five business days, you will be responsible for full payment for the service.
From a Physician:
If you have been sent to us by another physician, please tell the front desk so that we may communicate with him/her as needed. To assist us please provide the address, phone and fax number of the referring physician’s office.
Click here to complete the medical release form so we may obtain your medical records from your referring physician
Please be aware that some – and perhaps all – of the services you receive may be non-covered or not considered reasonable or necessary by your insurance company. The fact that the insurance company doesn’t cover the service doesn’t mean that you don’t need it. Your doctor will explain why he or she thinks that you can benefit from a service or procedure. If you elect to have the non-covered service, you must pay at the time of visit. Knowing your insurance benefits is your responsibility. Please contact your insurance company with any questions you may have regarding your coverage.
If we believe you are receiving a service that Medicare considers not reasonable or necessary for your condition, you will be notified in writing on a form called an Advance Beneficiary Notice (ABN). This will provide you the opportunity to decide if you will proceed with the service ordered. This process is required by Medicare and preserves your right to appeal their decision. If you have secondary insurance, it is your responsibility to provide this information at the time of the visit.
We will submit your claims and assist you in any way we reasonably can to help get your claims paid. Your insurance company may need you to supply certain information directly. It is your responsibility to comply with their request. Please be aware that the balance of your claim is your responsibility whether or not your insurance company pays your claim.
If your insurance coverage changes, please notify us before your next visit so we can make the appropriate changes to help you receive your maximum benefits.
Please be aware that if a balance remains unpaid over 30 days, we will no longer provide services until the balance is paid in full. If no attempt on you part is made to pay your balance, we may refer your account to a collection agency and you will be assessed a 30% surcharge to cover agency fees. Partial payments will not be accepted unless otherwise negotiated. Extended payments need to be discussed with the billing office at 239-596-5560.
Our goal is to provide quality individualized medical care in a timely manner. Late cancellations and No Shows create inconvenience and prevent scheduling of other patients who need access to medical care in a timely manner. We understand situations arise when you may need to cancel your appointment and we appreciate advance notice when that happens. This helps us be respectful of other patients needs and enables us to give the appointment time to another patient who needs to see us.
Credit Card Authorization
CareOne Healthcare appointments are made on a guaranteed basis only and require a credit card authorization form on file from all patients prior to scheduling new and follow up appointments. You will not be placed on the schedule until the credit card authorization form has been submitted.
No Show Fee
Patients who do not provide 72-hour (3-day) notice prior to canceling an appointment or do not show for an appointment, are considered a No Show and will be charged a $100.00 No Show fee. This fee will not be submitted to insurance. This charge will incur on the credit card we have on file for you. You will be notified of the charge. If you miss/cancel/no-show for 3 appointments, our office may terminate you as a patient.
Thank you for your understanding
We appreciate being able to care for you. We understand there can be special unavoidable circumstances which may cause you to cancel with short notice. Please let us know if this happens. In these instances, the fee may be waived.
Insurance Plans Accepted
CareOne Allergy contracts with many insurance plans and networks. If you do not see your insurance plan listed below, please check with your employer or insurance company to see if you have access to health care services with Kevin Rosenbach, M.D. – CareOne Allergy. Coverage limitations are dependent on individual and/or employer group contracts. If you have questions about your insurance coverage, please contact your insurance carrier directly.
Insurance Providers Accepted
- Mail Handlers Benefit Plan
- Aetna US Healthcare Network
- American Pioneer Life
- Medical Mutual
- Medicare Part B
- Assurant Health (PPO)
- MediPlus/The Hartford
- Avmed (PPO)
- Banker’s Life
- Mid-West National Life
- BC/BS – Anthem
- Monumental Life
- BC/BS of Florida (PPO)
- BC/BS of Florida Health Options
- Mutual of Omaha
- Mutual Protective Life
- Children’s Medical Services Naples
- NALC Health Benefit
- Cigna Healthcare (PPO)
- Oxford Health Plans
- Community Health Partners
- Continental Life
- Pioneer Life
- Pyramid Life
- Coventry Healthcare Plan
- Railroad Medicare
- First Health Network/CCN
- Secure Horizons
- Self Insured Benefit Group
- Florida Healthcare Plans
- GIC (Medicare)
- GE Pensioners Medical
- GEHA (Gov’t Employee’s Hospital Assoc.)
- Tricare (Humana Military & Humana Veterans)
- United American
- Golden Rule
- United Commercial Travelers
- United Healthcare (PPO)
- Great-West Healthcare
- Universal Healthcare
- USAA Life