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Financial & Insurance Information

At Anders Dermatology, our mission is to provide you with affordable, high-quality treatments that fit your budget! We offer a variety of payment options to meet your needs. Our office accepts payments by cash, checks and Visa and MasterCard credit cards. We also offer low- and no-interest financing options both through our office as well as the CareCredit system.

Insurance

All co-payment amounts are due and payable at the time of service, in accordance with the legal requirements for collecting patient responsibility amounts. If you do not have your co-pay, you may incur an additional fee of $10 for billing costs.

It is the patient’s ultimate responsibility to obtain a current referral if required by the insurance company prior to the appointment. We suggest you do this at least two weeks prior to your appointment. If you do not have a current referral, we will reschedule your appointment so you may obtain one. If it is necessary for patient to obtain lab work (i.e., blood or urine) then it is the patient’s responsibility to patronize the correct contracting lab with whom their insurance participates.

Our office will submit insurance claims. The charges submitted to the insurance carrier will become due and payable 90 days from the date of service. In the event of duplicate payment by the insurance carrier and patient, the overpayment will be refunded to the patient in a timely manner.

For those patients who are eligible for Medicare, we are “Participation Physicians.” We will accept assignment on all services covered by Medicare. This means we will accept the approved amount as our payment in full, writing off Medicare’s non-approved portion of our charges to you. Medicare will send a check to our office for 80% of the approved amount, minus any deductible and or co-pay for which you are responsible. If you have supplemental insurance coverage that will cover the portion of the approved amount Medicare does not pay, please make certain we have a copy of your insurance card (front and back).

Although we will accept assignment for Medicare patients, the patient, by law, has to be responsible for any portion of the approved amount not covered by Medicare or a secondary insurance carrier.

The responsibility for payment of services rendered to any dependent children whose parents are divorced rests with the parent who seeks treatment. Any court-ordered responsibility judgment must be determined between the individuals involved without the inclusion of our office.

Patients with no insurance coverage are asked to pay as services are rendered unless financial arrangements are made in advance.

If you have any questions about financing or payment, just ask us! We will thoroughly explain your choices and work hard to accommodate your needs. Contact or call us at 419.473.3257 for more information.