McIntosh Trail Family Practice Associates participates in the following insurance plans:
       Aetna/US Health Care—HMO, PPO
       Beech Street
       Blue Cross/Blue Shield—HMO, PPO, PAR, POS
       Capp Care
       Cigna—HMO, PPO
       Community Care Network (CCN) PPO
       First Health (Formerly Affordable)
       Georgia 1st
       Guardian Resources PPO
       Health Advantage Network
       Heathstar
       Humana Gold (MediCare)
       Kaiser-Added Choice, MultiChoice, HMO
       Medicare—limited to established patients
       National Preferred Network PPO/McKenzie Trucking Co.
       One Health Plan PPO
       Preferred Health Network of GA PPO
       Private Health Care System (PHCS)
       Southcare
       State Merit/Georgia 1st
       Unicare
       United Healthcare—all products
       USA Health Networks PPO

Unfortunately, McIntosh Trail Family Practice Associates does not currently accept Georgia Better Healthcare, New Medicaid, or Champus insurance plans.

To ensure that you get the maximum benefit from your insurance provider, we offer the following tips for your consideration:

      If you belong to a PPO or an HMO that requires you to see a selected primary care physician, please make sure that you have selected McIntosh Trail Family Practice Associates or one of its physicians before you are seen at one of our facilities. If you present for services with a card that does not state our facility or physician, your visit will be delayed while our insurance department verifies coverage with your insurance company.

       If you have not received your insurance card before presenting it to our facility for treatment, you will be asked to pay in full, or if you know what your co-pay amount is, you may pay that amount. You will be responsible for your bill in full until you bring the insurance department a copy of your insurance card. We will not be able to bill your insurance company until we receive the card and complete billing information is on file.

       Since we are primary care physicians, we will coordinate any referrals needed between your selected physician and your insurance company. Our referral department is familiar with your insurance company and contracts provided and will assist you in every effort when a referral is required. If you are a new patient and need an emergency referral, you will be asked to fill out new patient information in order for us to complete the referral process. All referrals must be approved by your selected physician and approved prior to any specialist visit.

       If you do not see your insurance plan listed here, please contact your insurance company to inquire as to participation status. We may be participating providers contracted through another network. If we are not participating providers but you have out of network benefits, we can file your insurance for you. However, you will not get the network discounts and your benefits will be paid at the out-of-network rate.

       If you have questions as to specific procedures performed in our office, you may contact our office for further information. If you have questions as to whether the services will be covered by your plan, you must verify benefits with your insurance company. Our office will not be responsible for claims denied due to policy provisions.

       All insurance claims are filed electronically, if eligible. All other claims are sent on HICA 1500 paper forms. Turn around time for insurance processing usually ranges from two weeks to 60 days.


FINANCIAL POLICY

For your convenience, McIntosh Trail Family Practice Associates accepts the following forms of payment:
       Cash
       Check
       Money Orders
       American Express
       Discover
       Master Card
       Visa
       Post-Dated Checks (with management approval)

To avoid any misunderstanding or disagreement concerning payment for professional services provided by our practice, please review the following information regarding our financial policy:

        Prompt payment allows us to control costs. Outstanding accounts cost both of us time and money.

       Our office will gladly file your insurance for you. However, it should be mentioned that your insurance coverage is an agreement between you and your insurer. It is your responsibility to remit payment for charges not covered by your claim and ensure your carrier remits payment. If a problem occurs with your claim, you will be required to pay any disputed amount. Should your insurance pay your claim at a later date, you will be refunded any overpayment.

       Co-payment/Co-insurance
If your insurance requires a co-payment for office visits, you will be required to pay the co-payment amount in advance. The receptionist will ask you for your co-payment prior to seeing the physician or physician assistant. Please have this amount ready upon check-in. If you do not have your co-payment, your appointment may be rescheduled to a later date. Per our managed care contracts, a co-payment is required each time a patient presents for services with a physician, physician assistant, or a nurse. If your insurance requires you to pay a co-insurance (percentage) or a deductible amount, this amount will be estimated by the receptionist. You will be sent a statement for any remaining balance once insurance payment/denial is received. Any overpayment will be refunded to the patient. *Please note that you must bring your insurance card with you to each visit and provide us with any change in coverage immediately.

       Self-Pay Patients
Patients presenting for services without insurance are required to pay a deposit toward their office visit. Should your provider indicate that your level of care exceeded this deposit (based on complicated history, medical decision making, labs, X-rays, injections, etc.), you will be mailed a statement for the remaining balance. If your balance (after your initial deposit) is paid in our office within 15 days, you will be entitled to a 25 percent cash discount on the balance. Simply deduct 25 percent from your billed amount and indicate ‘cash discount’ on your payment.

       Monthly Statements
By law, all patient accounts are due and payable within 30 days of services being rendered. As a courtesy, our practice will establish a reasonable monthly/weekly payment plan to accommodate your needs. Each month you will be mailed a monthly statement for services, which is due and payable within 30 days. If your payment is late, or if you have not previously made financial arrangements, then we will mail a reminder notice indicating there is a problem with your account. If you are experiencing a set of circumstances that are beyond your control, please call our practice, and we will be happy to make special arrangements.

Any patient who refuses to remit payment after 61 days of notice without pending insurance or financial arrangement will force us to limit his or her future credit (appointments) until the previous balance is paid in full, or until a written financial arrangement is accomplished. At this point, a patient will be required to sign a written legal agreement with our practice to alleviate any current delinquency.

Please notify our practice if a mistake appears on your monthly statement.

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