Financial Policy and Insurance
 
Before starting medical services and treatment or at your first visit, we will require all of your insurance information, including a current insurance identification card and any referral or authorization that may be required. If you have any questions regarding your insurance coverage prior to your visit, please call your insurance company and our office (203) 226-0731.
 
We are not associated with any state-sponsored insurance program. If you are covered by such a program, you must contact our office prior to your first visit.
 
You are required to pay any co-payment amount at the time of service. Additionally, you are responsible for the timely payment of your account. All
patient balances are due within 30 days of our statement date.
 
If your visit requires lab tests, x-rays, MRI, bone scans or CT scans, or any other services done outside of our office, these services will be billed to you directly by the provider. We will give these providers all your insurance information.
 
Our office staff is always willing and available to discuss billing matters with you at any time. We know that you will agree that your clear understanding of our financial policy is important to our professional relationship.
 

Payments and Insurance
 
We require payment for office visits (and telephone services) at the time of your appointment. We accept checks, cash, Master Card and VISA. A list of fees is available on request. You will receive a statement at the time of your visit that includes all the information needed by you to bill your insurance company. This statement should be attached to your completed insurance form and forwarded to the address your company provides. No other copies will be provided. Medicare and Managed Care patients' statements will be submitted by IMAW directly.
 
If you are a member of a PPO or HMO Managed Care plan with which we contract, your insurance ID card must be presented at every visit. Patients are ultimately responsible for knowledge of specific coverage guidelines and requirements pertaining to their individual plan. For example, if your plan allows a physical every three years, you will be responsible for payment if you choose to have a physical more often than your plan offers.
 
IMAW participates in the following Health Maintenance Organizations:
 

Blue Cross & Blue Shield

CIGNA

Connecticare

Healthnet

NEHCA/HMCPPO

Oxford

PHCS

United Healthcare

Aetna (as of 3/1/05)
 

Medicare Billing Guidelines
For a Non-Assigned Office
 

You are responsible for payment of your bill for services rendered on that     date.

IMAW will forward your charges for that days service to Medicare.

Medicare and your secondary will reimburse you directly, not the office.

If you have a secondary insurance other than Blue Cross/Blue Shield of     Connecticut, or Medicare, you are responsible for forwarding the bill to the     secondary. Send a copy of your explanation of benefits that you receive with     your Medicare check, and a copy of your bill for that day to your secondary.     IMAW will accept assignment if your secondary is Blue Cross/Blue Shield of     Connecticut.