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FINANCIAL POLICIES AND INSURANCE
 
The goal of Eastern Connecticut Ear, Nose & Throat P.C. is to provide quality medical care. Your understanding of our financial policy will help clear up the business aspects of the practice allowing us to provide the highest quality medical care to our patients.
 
ACCEPTED INSURANCE PLANS:
We participate with most insurance plans, and as a courtesy to you, we will submit your insurance claims. It is the responsibility of the patient to complete the patient registration form and to bring your insurance card with you. You must advise us of any changes in insurance, mailing address or telephone number.
 
REFERRALS:
If your insurance requires a referral from your primary care physician, it is your responsibility to obtain the necessry referral prior to your visit. This guideline is established by your insurance and must be followed. Your appointment will be rescheduled if the referral is not in place at the time of your visit.
 
CO-PAYS:
Co-pays will be collected at the time of service. We do not bill for co-pays as our insurance participation agreements state that the patient is responsible at the time of service. If your co-pay is not paid at time of service, your account will be charged a service fee. We accept cash, check, Visa or Mastercard.
 
MONTHLY STATMENTS:
If you have a balance after an insurance makes payment, we will bill you for the amount due. Payments are expected within 30 days of the billing date. If you are unable to forward payment in full, we ask that you contact our Billing Department and speak with one of our Billing Specialists to make a reasonable payment agreement. We understand that financial problems arise from time to time and encourage you to communicate with us. Failure to make payments in a timely manner will result in the involvement of a Collection Agency.
 
A $25.00 fee will be charges for any returned check. If a check has been returned we can only accept cash, Visa or Mastercard.
 
MINORS:
Financial responsibility regarding minors: The responsibility for payment of services rendered to dependent children whose parents are divorced rests with the parent seeking treatment. Any court ordered responsibility judgment must be determined between the individuals involved and cannot be considered by this office.
 
Minors must be accompanied by a legal guardian. Should the legal guardian, be other than their parents, a copy of the court guardianship appointment must be presented to ECENT for the patient's medical chart.
 
WORKERS' COMPENSATION:
Any workers' compensation services must be authorized by your employer. We will submit your claim for you providing you supply us with the name and telephone number of your workers' compensation insurance company, claim number, date of injury and adjusters name. Otherwise, you will be responsible for payment in full at the time of service.
 
AUTO ACCIDENTS:
If the reason for your visit relates to an auto accident, we will need either the declarations page from your auto insurance policy or a letter from your auto insurance company stating there is no available medical coverage. This information is essential as we cannot bill your medical insurance policy if there are other benefits available. Please understand that this not our policy, but rather the policy of all medical insurance companies.
 
CARE CREDIT®: CareCredit offers you convenient monthly payments so you can get the treatments and procedures you want and need. You pay no up-front costs, no annual fees and incur no pre-payment penalties. You can use CareCredit for anything from LASIK and teeth whitening, to every day checkup costs for you, your family and even your pet. Your CareCredit card can be used at over 75,000 participating healthcare practices nationwide for services including LASIK, Veterinary, Dentistry, Cosmetic, Hearing Care and more.
 
 
PARTICIPATING FORMAT LINKS:
 
ANTHEM BCBS: www.anthem.com
CONNECTICARE: www.connecticare.com
UNITED HEALTHCARE: www.unitedhealthcare.com
PEQUOTPLUS.COM:  www.pequotplus.com
MYTRICARE.COM:  www.mytricare.com