Financial Arrangements
In order to keep healthcare costs down, we ask for payment at the time of your visit. For your convenience, we accept cash, check, Visa, MasterCard and Discover.
Fees
Fees for normal obstetric care include prenatal care, vaginal or Caesarean section delivery, and six-week postnatal care following delivery. Extra charges will be assessed for lab results, ultrasound exams, non-stress tests, fetal monitoring, high-risk pregnancy, amniocentesis, and Pap smears or other tests or procedures that may be required. You will also receive separate bills from the hospital or outpatient facility and other service providers.
Surgical fees include surgery, physician hospital visits and the appropriate follow up visits (depending on the global period of the procedure). There will be additional lab charges for any required pre-operative testing. You will also receive separate bills from the hospital or outpatient facility and other service providers.
We understand that sometimes circumstances make it difficult to make payment on a timely basis. If necessary, we can arrange a payment plan for obstetrical or gynecological services. Please contact our insurance department at (701) 774-7687 if an unusual financial problem arises.
Insurance Claims
As a courtesy, we will initiate a claim to your insurance company on your behalf. Please keep in mind that insurance is a method for patients to be reimbursed for the fees they have paid for medical services. Your insurance coverage is a contract between you and your insurance company, not our office; therefore, you are responsible for full payment of your account when due.
We accept most insurance plans, and as a service to our patients, we will file your insurance claim for you. However, we understand the processing of insurance claims can be confusing. Thus, we encourage our patients to be proactive when it comes to their health insurance benefits. You may obtain benefit information from your employer, your insurance company's web site, or by telephone at the customer service number identified on your insurance card. Perhaps you will find our insurance glossary below helpful as well in decoding your insurance coverage...
Annual Deductible : The amount you must pay for covered health services in a policy year before your insurance carrier will begin paying for benefits in that policy year.
Benefits : Your right to payment for covered health services that are available under your policy. Your right to benefits is subject to the terms, conditions, limitations, and exclusions of the policy, including a certificate of coverage and any attached Riders and Amendments.
Co-Insurance : The amount you are required to pay as a percentage of the total cost of care.
Co-Payment : The amount you are required to pay for certain covered health services. A co-payment may be either a set dollar amount or a percentage of eligible expenses.
Covered Health Services : Those health services provided for the purpose of preventing, diagnosing, or treating sickness, injury, mental illness, substance abuse, or their symptoms.
Covered Person : A Covered Person is either the subscriber or an enrolled dependent. This term applies only while the person is enrolled under the policy.
Dependent : A Dependent is the subscriber's legal spouse or an unmarried dependent child of the subscriber or the subscriber's spouse.
Out-of-Pocket-Maximum : The maximum amount of annual deductible and co-insurance you pay every policy year.
Subscriber : A Subscriber is the eligible person who is properly enrolled under the policy. The subscriber is the person (who is not a dependent) on whose behalf the policy is issued to the enrolling group.
If you have questions about insurance, our insurance coordinator will be happy to assist you. Simply call (701) 774-7687 to speak with a member of our insurance department.