/ Patient Info / Insurance Financing
For your convenience, we accept Visa, Mastercard, cash, check, and CareCredit. We deliver the finest care at the most reasonable cost to our patients; therefore, estimated co-payments are due at the time service is rendered unless other arrangements have been made in advance.
If you have questions regarding your account or our financial policy, please contact us at (509) 783-7600. Many times, a simple telephone call will clear any misunderstandings.
Please remember you are fully responsible for all fees charged by this office regardless of your insurance coverage. CBOMS will provide a good faith estimate at your request and prior to treatment.
Your insurance coverage is a contract between you and your insurance company. If we have the necessary information, we will be glad to assist you in the submission of your claim, but payment of your account is ultimately your responsibility. Any fees left unpaid by your insurance are payable by you in full upon receipt of negotiating a disputed claim.
You are responsible for payment of the balance of your account, regardless of payment from insurance, after 60 days from your initial date of treatment. Insurance coverage is not a guarantee of payment! Insurance plans vary widely in their policy provisions and benefit amounts; therefore, the amount quoted as your co-payment should not be relied upon to be your total balance due. We can only estimate your coverage and co-payment, so your understanding of your policy is your best assurance that your claim will be properly administered.
We will send you a monthly statement. Most insurance companies will respond within four to six weeks. Please call our office if your statement does not reflect your insurance payment within that time frame. Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated.
You have the right to receive a “good faith estimate” explaining how much your medical care will cost.
Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
Make sure your healthcare provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, or any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 1-800-985-3059.
Your Rights and Protections Against Surprise Medical Bills and Balance Billing in Washington State.
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
When you see a doctor or other healthcare provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or pay the entire bill if you see a provider or visit a healthcare facility not in your health plan’s network.
“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay, and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing“ is an unexpected balance bill. This can happen when you can’t control who is involved in your care, like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
Insurers are required to tell you, via their websites or on request, which providers, hospitals, and facilities are in their networks. Hospitals, surgical facilities, and providers must tell you which provider networks they participate in on their website or on request.
Emergency services
If you have an emergency medical, mental health, or substance use disorder condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes care you receive in a hospital and in facilities that provide crisis services to people experiencing a mental health or substance use disorder emergency. You can’t be balance billed for these emergency services, including services you may get after you’re in stable condition.
Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most these providers may bill you is your plan’s in-network cost-sharing amount. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When can you be asked to waive your protections from balance billing
Healthcare providers, including hospitals and air ambulance providers, can never require you to give up your protections from balance billing.
If you have coverage through a self-funded group health plan, in some limited situations, a provider can ask you to consent to waive your balance billing protections, but you are never required to give your consent. Please contact your employer or health plan for more information.
When balance billing isn’t allowed, you also have the following protections:
You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
Your health plan generally must:
If you believe you’ve been wrongly billed, you may file a complaint with the federal government at www.cms.gov/nosurprises/consumers or by calling 1-800-985-3059; and/or file a complaint with the Washington State Office of the Insurance Commissioner at their website or by calling 1-800-562-6900.
Visit www.cms.gov/nosurprises for more information about your rights under federal law.
Visit the Office of the Insurance Commissioner Balance Billing Protection Act website for more information about your rights under Washington state law.