The first question I get from a lot of prospective patients:
“Do you accept insurance?”
I understand why people want to know…they’ve already spent money on the insurance and don’t want any additional out of pocket expenses because premiums are high!
No doctor actually “accepts” your insurance. They only provide the service of filing the claim FOR YOU. You still pay your co-pay, and any money that insurance did not cover is your responsibility to pay. The doctor acts as the middle man.
Here’s the catch. Insurance companies are much nicer to their customer than they are to clinicians. They give us more hoops to jump through, delay payment, pay very little of the bill, and often downright deny the claim for nonsensical reasons. If the doctor wants to make any money, they must then send the bill back to you.
Most doctors hire staff to do all of this, which adds more to their overhead, further raising prices to compensate for that cost.
In addition, when doctors depend on insurance, they may (not always) change their treatment methods in order to be reimbursed at a better rate. So, the insurance company is ultimately dictating what treatment is best for the patient. Not the doctor.
So instead of putting myself and my patients through all of that mess, it’s simple:
- You pay for the services received at our office and send the receipt that I will provide at the end of each month directly to your insurance. Your insurance will reimburse you directly.
- I get to spend more time with you, providing the treatment that I believe to be best for you.
- I am able to charge less because I don’t have the expenses that go along with the insurance hassle.