Drs. Fine, Hoffman, & Packer, LLC - Financial Services

FINANCIAL SERVICES & INSURANCE — INSURANCE

Drs. Fine, Hoffman and Packer have made prior arrangements with many insurers and health plans. We accept Medicare assignment and are providers for many different types of insurance. Our office will bill those plans with which we have an agreement and will collect any required co-payment at the time of service.

All patients are ultimately responsible for their own bill. You are responsible for knowing your insurance benefits and limitations. Patients who have health care coverage are responsible for providing the office with complete and accurate information regarding their insurance. Please be sure to bring your insurance cards with you to your appointments. You are responsible for obtaining necessary referrals for office visits. Our office will request referrals for surgeries.

REFERRALS/AUTHORIZATIONS

If you are covered under any of the following HMO (Health Management Organization) insurances and you are being seen for a medical reason, it is your responsibility to contact your Primary Care Physician at least one-two weeks PRIOR to your appointment date to obtain a referral. If you do come in for a medical problem and you do not have an HMO insurance referral, you will be asked to reschedule your appointment until your referral has been obtained.

REFERRALS:

Medical Reason - Referral required from Primary Care Physician at least 1-2 weeks prior to appointment.
Regence/Blue Cross: HMO or Preferred Choice 65 Blue Choice HMO Blue Cross OMIP	Pacificsource: McKenzie Plan
ODS HMO: McKenzie/Willamette School District 4-J	Tricare (Champus HMO)

PRIOR AUTHORIZATIONS:

The following HMO Insurances now need prior authorization for medical and vision appointments through your insurance company. Our office will gladly obtain them for you:

Oregon Health
Plan/LIPA

Pacificare

Secure Horizons

ROUTINE EYE EXAMINATION:

If you have "vision coverage" available and are coming in only for a routine eye examination you will not need to get an HMO insurance referral. Please contact your insurance company to verify that you are eligible for your routine vision benefits.

BILLING/STATEMENTS:

Because billing and mailing statements is an expensive process, we ask that your portion of our fees, including deductibles and co-pays, be paid at the time of your appointment. In the event your health plan determines a service to be "not covered," you will be responsible for the complete charge. In that event, we will bill you and payment is due upon receipt of our statement.

NO HEALTH COVERAGE

Patients without health coverage are expected to pay in full at the time of service. If full payment is not possible, a payment plan can be arranged with the office manager. All payment plans require 50% of the bill to be paid at time of service.

More Financial Services and Insurance Information:

Commonly Asked Questions:

Will my insurance cover refractive surgery?
Most health care coverage considers refractive surgeryy an elective surgical procedure and does not cover it. For our refractive surgery patients, we highly recommend CapitalOne Healthcare Finance.
www.capitalonehealth
carefinance.com

Should I use my Vision or Medical Benefits?
Read here the pros and cons of both.

What would my payment and interest rate be?
That depends on a number of factors. Check here for the example monthly payment chart. or use the CapitalOne Healthcare Finance Calculator here.

I don't have health coverage, what arrangements can I make?
Patients without health coverage are expected to pay in full at the time of service. If full payment is not possible, a payment plan can be arranged with the office manager. All payment plans require 50% of the bill to be paid at time of service. We highly recommend CapitalOne Healthcare Finance for those patients without health coverage.
www.capitalonehealth
carefinance.com

What credit cards do you accept?
We accept Visa, MasterCard, Discover, and American Express.