Non Insurance Covered Surgery Financial Information
Health Insurance will not cover Cosmetic Surgery or its complications. Accordingly, Mark D. Wigod, M.D., P.A. has developed a pricing schedule for these procedures. Detailed financial policies are listed below not to be unwelcoming, but to provide honest full disclosure and avoid any future misunderstandings. Dr. Wigod strives to conduct himself beyond reproach both in and out of the operating room.
Non Insurance Covered Surgery Quote Policy
Your quote for surgery with Mark D. Wigod, M.D., P.A. and its Accredited Ambulatory Surgery Center, Meadow Lake Surgery Center, details fees for the surgeon, operating room, materials, and anesthesia. The quote is valid for six months. Pathology and unanticipated costs are not included. These fees are your responsibility to pay. Pathology specimen submission may or may not be expected and may or may not be covered by your health insurance.
Your quote for surgery at an outside facility is for surgeon’s fees only. The quote is valid for six months. All other fees including (but not limited to) anesthesia, OR, hospital, special materials, pathology, and unanticipated costs are not included. These fees are your responsibility to arrange and pay. Pathology specimen submission may or may not be expected and may or may not be covered by your health insurance. You may have additional hospital and anesthesia fees if your surgery takes longer than planned.
We are happy to have you as a patient and hope to exceed your expectations for service and results. Planning your surgery requires us to commit valuable resources to your care. Accordingly, a scheduling fee (10% of the full quoted fee) is required before reserving your OR time. This deposit must be received at the time of scheduling or the date will not be reserved. The remaining balance (90%) of the full quoted fee is then due 15 days in advance of your scheduled date or at the start of your preoperative appointment (whichever comes first). After the balance payment is made, 25% of the full quote shall be considered the booking fee.
We understand that patients must sometimes cancel elective surgery. Filling a cancelled surgery time on short notice, however, is very difficult. If you cancel your surgery greater than 30 days before your scheduled date, you will receive a full refund of your scheduling fee. One exception is the cost of materials (i.e. injectable products, implantable devices) that have been specially ordered for your procedure and which cannot be returned. These costs will not be refunded. If you cancel at 30 days to 16 days before your scheduled date and prior to your preoperative visit, your 10% scheduling fee will not be refunded. If you cancel at 15 days or fewer or after your preoperative visit, your 25% booking fee will not be refunded. The cost of services and materials provided for your treatment will not be refunded after the surgery has been completed.
Services that are performed that are paid with a credit card, debit card or with financing, are not eligible for post-care payment challenges.
If you cancel and / or reschedule a surgery greater than 30 days before the original scheduled date, a 25% non-refundable scheduling fee will be required before rescheduling. If you cancel and / or reschedule a surgery at 30 to 16 days before the original scheduled date and prior to your preoperative visit, a 50% non-refundable scheduling and booking fee will be required before rescheduling. If you cancel and / or reschedule a surgery at 15 days or fewer before the original scheduled date or after your preoperative visit, a 100% non-refundable scheduling and booking fee will be required before rescheduling. We reserve the right to refuse a surgery rescheduling.
Our goal is to make sure that you are satisfied with your surgery. Under most circumstances, if you require a revision of your recommended surgery to achieve a result that is considered acceptable to a reasonable surgeon and patient, it will be provided without a surgeon’s fee. If more than minimal office surgery resources are required (anesthesia, OR, hospital, special materials, pathology, and unexpected costs), you will be responsible for their payment. If you choose a treatment option not recommended as best by the surgeon, do not follow peri-operative instructions, or have a problem that is beyond the surgeon’s control, you will be responsible for all revision fees. If you desire additional related surgeries to improve on an acceptable outcome, the fee may be full or reduced at the discretion of the surgeon. Any fee waiver or reduction to assist a patient with achieving his or her goal shall in no way indicated an admission of negligence or substandard care.
In the unlikely event you require an urgent return to the operating room outside regular business hours or you have a problem which cannot be managed as an outpatient, your care will be transferred to Meridian St. Luke’s Medical Center. If you require hospital admission or treatment, you will be responsible for those charges. For cosmetic surgery patients, health insurance will not cover these costs.
Above all we want you to have a great experience and for you to recommend us to your friends. Accordingly, we will use our judgment to make sure you are treated reasonably and fairly. As we only want the best for you, we hope you will give us the same courtesy in return.
Insurance Covered Surgery Financial Information
Your planned procedure may be a covered benefit by your health insurance company. Mark D. Wigod, M.D., P.A. and its Accredited Ambulatory Surgery Center, Meadow Lake Surgery Center, are contracted with many insurance plans. Dr. Wigod also accepts patients who are out of their insurance network. The office will submit insurance billing paperwork for you.
Health insurance, however, does not cover all expenses. You may be responsible for copays, deductibles, a percentage of charges, out of pocket maximum, and costs after maximum lifetime benefits have been reached. The time around a surgery is stressful for patient and family. We hope for your excellent result, happiness with our care, and a warm long term relationship. A small surgical practice, however, has expenses and we cannot continue to provide care to you and others without collecting fees to pay our bills. Just as the surgeon makes sure that you are consented before an operation, we want to make sure you are informed of your financial obligations before proceeding. We will try to help you understand of your benefits, but we may not have complete information and benefits may change during your care. The information we may give you is not a guarantee of benefits, but provided to assist you in a good faith effort. You are ultimately responsible for your health insurance policy. Please confirm all benefits presented with your insurer and inform us of any discrepancies.
Copays, when appropriate, will be collected at the time of service. Once your procedure has been performed and billed, your insurance company will pay its contractual obligation. Within 30 days of this time, you will be billed for the balance of the payment not covered by the insurance company. If there is no payment, a second notice will be sent 30 days later. If there is no payment for another 30 days ( 60 days total from the initial billing ), your account will be referred to a finance company (ABS). ABS will then contact you and set up monthly payments at a low interest rate with the planned full payment at 12 to 18 months. If you do not make arrangements with ABS within 45 days, your account will be referred to their partner, Collection Bureau Inc. , for formal collection proceedings. We would certainly like to help you avoid this scenario as it benefits no one except the financial companies. If you cannot pay your bill in full, please contact our office to make payment arrangements with us as soon as possible.
Common Insurance Plans Accepted:
- Blue Cross
- Blue Shield
- Primary Health
- United Health Care
- Select Health