OUR OFFICE POLICIES - At Lakeshore Family Medicine Associates we believe in serving our patients efficiently and on-time. We also encourage our patients with Internet access to take full advantage of this website. Not only does it provide detailed information regarding our policies and procedures, but it also allows patients to access their billing and patient info (at bottom of page) electronically to help expedite their visits. At Lakeshore Family Medicine, we value your time. We work dilligently to increase our efficiency and decrease waiting times at the office.
PHONE POLICY - You can call anytime for questions and concerns. However, it would be unfair to our office patients for our providers to leave to answer each and every telephone call. The office staff have been trained to answer most of your questions. They will also relay your information to one of our providers and your call will be returned at the earliest opportunity.
APPOINTMENT POLICY - We offer same day appointments for ALL types of appointments, sick calls, physicals, etc. If you are having a true medical emergency, you need to call 911 immediately. Our office reserves the right to reschedule any appointment if you are late or should the practice need to for any reason.
BILLING POLICY - Patients are responsible to update any contact and insurance information as soon as they are aware of a change being made. All fees are due in their entirety at the time of service, this includes co-payments and co-insurance; and will be collected before you are seen by our provider. For any reason, if there is a balance on your account, payments should be received in a timely manner. Payment arrangements may be set-up with our billing office in extenuating circumstances. These arrangements are at the discretion of the practice and are not guaranteed. Otherwise, your account may be forwarded to collections. No-Show fees will be assessed for all appointments that are not cancelled with 24 hours prior notice or unless otherwise noted for special procedures. this fee is the responsibility of the patient and we reserve the right to discharge you from our practice after (3) no-shows. We reserve the right to refuse services to anyone based upon non-payment of past or current due balances on an account.
INSURANCE INFORMATION - For your convenience, we many insurance plans, including: MEDICARE, BLUE CROSS/BLUE SHIELD, CIGNA, AETNA, TRICARE, UNITED HEALTHCARE & more. If you are interested in becoming a patient and your insurance is not listed, please call. If you do not have private insurance, you may want to consider one of our other options, including self-pay and CareCredit. Please call one of our offices for more details or to schedule an appointment. We look forward to helping you and your family live happier, healthier lives.
- (WHAT SHOULD I PAY AT THE TIME OF MY
VISIT?) The term "coinsurance" is used in
several different types of insurance, from
property to health. The basic concept of
coinsurance, also known as percentage
participation, is that you and your
insurance company share the risks. In health
insurance, this usually translates into the
insurance company paying a certain
percentage of your health care bills, while
you pay the remaining percentage. Of course,
it is not as straightforward as this simple
definition. Depending on the type of plan,
you may be responsible for a different
percentage of your bill. In some cases, you
may not be expected to pay any coinsurance.
Also, there are usually caps on
out-of-pocket fees, which includes
coinsurance that you have to pay before the
insurance company starts paying 100 percent
of your bill.
Before we fully explain coinsurance, you'll probably want to take a look at How Deductibles and Co-pays Work. Co-pays and coinsurance are often -- incorrectly -- used interchangeably. A co-pay is a specific amount that you are required to pay at the time of each doctor's visit. It is not a percentage of the doctor's fees, like coinsurance is. Depending on your plan, you may have to pay both coinsurance and a co-pay for a given doctor's visit. Also, co-pays are usually not applied to an out-of-pocket expenses cap. These caps are a total of the deductible and coinsurance payments. Once you meet the out-of-pocket expense cap, health insurance plans pay for 100 percent of your health care costs until the lifetime cap is met. A lifetime cap basically amounts to how much the insurance company is willing to spend on your health care in your lifetime. Therefore, once you reach the lifetime maximum cap, your insurance runs out. These caps are often in the millions, and most Americans do not normally reach them.
A deductible, on the other hand, refers to the amount of money you have to pay before your insurance company pays for any health benefits. Once you meet this amount, your insurance benefits go into effect. Your company will either begin paying for 100 percent of your doctor's visits, or your coinsurance amount begins, with you paying a percentage of the bill. Some insurance plans don't have deductibles, and others have specific coverage, such as preventative care, that can be used even before you meet the deductible. You will need to read your insurance contract or contact your insurance company by calling the customer service number on the back of your card. Your co-insurance and copays are due at the time of your visit and billing them may add additional service fees and could interrupt your ability to schedule an appointment if not paid on time. If you should have any questions about your bill please contact our billing office at 799-8035. Thank you.
To make a payment on your outstanding balance, click here. | Business Office 716-947-0408. If emergency, please dial 911. NOT for urgent medical questions. Expect at least 24 hours for a response.
Patient Portal - *Limited Access | If emergency, please dial 911. NOT for urgent medical questions. Expect at least 24 hours for a response.
To view a copy of your statement online, click here to register for an account or login to your existing account (view statement online, pay, etc.). | Business Office 716-947-0408. If emergency, please dial 911. NOT for urgent medical questions. Expect at least 24 hours for a response.
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