Insurance & Payment Information
Thank you for choosing our practice for your healthcare needs. We are committed to the success of your medical treatment and care. Please understand that payment of your bill is considered a part of your treatment. The following statement explains our Financial Policy, which asks you to read, sign and return to us prior to your treatment.
- All patients should provide accurate and complete personal and insurance information prior to being seen by the provider.
- All co-pays, co-insurance, balances due, both current and prior are due at the time of service.
- We accept cash, personal checks, and most major credit cards.
If you have health insurance, it should be understood that this is an agreement between you and your insurance company. You are responsible for payment of your bill regardless of the status of your insurance claim. We believe our fees to be customary for our region and specialty. If your insurance company uses a different fee schedule, you will be responsible for any balance remaining.
- Contracted Insurance: if you are a member of an insurance plan which our office has contracted with, you will be asked to pay all co-pays, deductibles, and any non-covered services at the time of service. Please verify with your health care plan which PPO network your claims will be processed through. It is your verify with your responsibility to understand, verify, and comply with any predetermination of benefits or referral requirements.
- Non-Contracted Insurance: if your health care plan is a non-participating plan, payment is due at the time of service and you will be asked to pay all co-pays, deductibles, and any non-covered services at the time of service.
- Medicare: we accept assignment from Medicare. Therefore, Medicare payments will be made directly to the provider. We are required by Federal Law to collect 20% of the allowed amount either out of pocket or by your supplemental insurer. You are responsible for the annual Medicare deductible.
- Medicaid: we are participating providers with Montana Medicaid. You are responsible for co-payments at the time of service. If you are not covered under Glacier Medical Associates Medicaid Passport, you must have a referral from your assigned Passport healthcare provider (primary care physician) prior to being seen.
- Worker’s Comp: Authorization is necessary prior to your treatment.
- Self Pay: Payment is due at the time of service. Patients who do not have health insurance are considered "Self Pay". For your convenience, we accept most major credit cards.
- Auto Accident Related Visits: Patients being seen for automobile accident related issues are required to pay in full at the time of service. Medical insurance does not cover these visits. It is the responsibility of the patient to file any claims with the automobile insurance company.
- Past Due Accounts: Unfortunately, we are not in a position to finance health care and we make no arrangements for long-term payments on patient balances. As a convenience, we accept most major credit cards. If unusual circumstances should make it impossible for you to meet our credit terms, we ask that you call or personally discuss the matter with our financial coordinator. This will avoid any misunderstandings and enable you to keep your account in good standing. Accounts that are greater than 6 months past due will be referred to our collection agency.
- Returned Checks: There will be a $30.00 charge added to your account for any check returned for nonpayment from your bank. Contact our financial coordinator if you have any questions or concerns at (406) 862-2515.