General Office Policies

FINANCIAL POLICY

As part of our service to our patients, we try to contain the ever-rising cost of health care. In an effort to do this, we have implemented the following Financial Policy. Please read all of the information below. Your cooperation in following our credit policy will allow for a prompt settlement of your claim.

It is the responsibility of the patient or responsible party to see that all charges are paid in full, even if the insurance pays less than the actual bill for services.
As a courtesy to you, we will file all medical claims, with the primary and secondary insurance. However, you must provide us with current copies of your insurance and notify us immediately if there are changes in this information.
It is your responsibility to obtain any referrals required by your insurance company and update them as needed. If you do not have a current referral you may be asked to reschedule your appointment or sign a waiver stating that you will be responsible for payment of charges.

Co-payments (HMO, PPO) are to be made at time of service. Payment by Visa, MasterCard, check or exact change is appreciated.
Medicare Patients: We submit and accept assignment on all Medicare claims. As a courtesy, we will file to your secondary insurance.

No Insurance: If you do not have health insurance or you have a rider on your insurance policy that excludes ear problems, the Ear Institute of Chicago, LLC will discount your bill 30%. The bill is due and payable at the time of service. Payment can be made by credit card (Visa/Mastercard), by check or cash.

Divorce: In divorce situations, the parent who brought the child in is responsible for payment of the bill. We will submit to the necessary insurance carriers.

Accounts that are 90 days past due may be referred to a collection agency unless payment arrangements have been made with our business office. If you have a financial hardship, please let us know so that we might set up payment arrangements.

There will be a $30.00 service charge for any returned checks.

FINALLY, you have a contract with your insurance company--we do not. It is your responsibility to communicate with the insurance company if you are not happy with your insurance company's determination of benefits for your claim.