Thank You for Choosing Sparks Orthopedics, LLC., (Sparks) as your Healthcare Provider. The Following guidelines have been established to help you understand our expectations for our services.
Payment In Full
You are responsible for your co-pay, any unmet deductibles, and “co-insurance” that your insurance plan considers your responsibility at the time of your visit. We gladly accept cash, checks, and most credit cards.
As a courtesy to our patients, we will file your primary and secondary insurance claims. In order for us to provide this service, we need to copy your most current insurance card and a picture ID. Any payment from your insurance company will come to Sparks for our services when we file for you. Please remember that insurance coverage is a contract between the patient and the insurance company, therefore any co-payments or deductibles are due at the time of your appointment. You will be responsible for any non-covered services. If your insurance payment is not received within 60 (sixty) days, the balance will automatically be assigned to you for payment and will be due immediately.
Usual & Customary Reimbursement
Our charges (fees) have been set to accurately reflect the complexity of care rendered and the skill and expertise required for your care. We assure you that our fees reflect what is usual and customary. If your insurance company’s fee schedule falls below the level of charge, you will be responsible for payment in full (unless we have a written contract with your insurance company).
You are required to pay in full when services are rendered if you have no insurance. Any payment arrangements must be made prior to seeing the physician.
If your account becomes delinquent and sent to an outside agency or attorney for collection, you will be responsible for all costs, including agency fees, attorney fees, court costs, and any other related expenses. Your account will be changed to a “cash only” status and prepayment prior to service will be required.
You agree and waive all rights to claim personal property exempt under the laws of the state of Alabama.
Financial Hardship Policy
Please ask to speak to the billing department to discuss payment plans and options if you have a financial hardship. Please be prepared to present proof of the hardship including previous year’s tax statements, outstanding debt, proof of income or proof of no income, and other documents as needed. Failure to establish a written payment policy with Sparks can result in your account being sent to an outside collection agency. This can result in additional legal fees and charges. Sparks Orthopedics reports to credit agencies.
Medicare Patients [This is for Medicare Patients Only]
We are participating physicians with Medicare. This means that you will be responsible for 20% of the approved Medicare fee, the yearly deductible and full payment of non-covered services. As a courtesy to our patients, CUA will file any secondary claims.