Credit Card on File

U.S. Dermatology Partners requires patients to provide a credit card to be kept on file for any co-payment, co-insurance, deductible, or charges that may not be covered by their health insurance. Thank you for understanding and for your cooperation. For more information about this policy, please review the below frequently asked questions.

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   Why do you require a credit card on file?

  Due to the increasing number of high deductible health plans, resulting in higher out-of-pocket expenses from the patient, this has become a necessary policy for our practice to ensure medical services rendered are paid for in a timely manner.

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•  How much are you going to charge my card?

  Your card will only be charged if your insurance company does not cover the full amount of your visit. Your insurance company tells us what your responsibility is and how much you should be charged. Individual payments will not exceed $300 and will be charged every 28 days until the balance is paid in full.

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•  Will I receive a notification when I will be charged?

  Once your visit is complete, we will submit a bill to your insurance for services rendered.

  After your insurance has processed your claim, you will receive a notification via email of any balance due and the dollar amount that will be charged to your credit card on file. Your credit card will be charged 12 days after you receive the notification.

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•  What about my co-pay charge?

  If you have a co-payment due, this amount will also be collected at the time of your appointment. We will not charge your credit card for your current visit, outside of the co-payment, until your insurance carrier has processed our claim for the services rendered.

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•  What form of payment do you accept?

  We accept all major credit cards including Visa, Mastercard, Discover, and American Express along with HSA/FSA and debit cards.

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•  How can I trust that you will keep my credit card information safe?

  We do not keep any credit card, debit card, or HSA/FSA card information on file in our office, or on any of our computers. We use a secure payment processor called InstaMed that is completely compliant as required by law.

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•  I do not have a deductible/I have dual plans. Do I still need to give you a credit card?

  Due to the complexity of health plans, patients are not always aware of payment responsibilities. Additionally, changes to health plans happen often, which can make you responsible for payments without your knowledge. For this reason, we ask all patients to save a card on file in the event of payment responsibility.

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•  What is a deductible and how does it affect me?

  An annual deductible is the dollar amount you must pay out-of-pocket during the year for medical expenses before your insurance coverage begins. A health plan’s deductible works in the exact same manner as an auto or home insurance policy.

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•  When does a deductible begin and how will I know when my deductible has been met?

  Your deductible begins annually at the start of your health plan year. Health plans can start on any date. Typically, they begin on either January 1st or July 1st. You may find out when your deductible has been met by calling your insurance provider at any time. Some insurance providers enable patients to view this information online.

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•  What is co-insurance?

  Pursuant to your insurance company’s benefit plan in which you are enrolled, insurance companies will require that you pay a certain percentage of the amount due to the physician for services provided AFTER you have met the annual deductible.

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•  Is there a payment plan option?

  The initial payment charged will not exceed $300. The remaining balance will be charged to your credit card after the next statement cycle, approximately 28 days after your initial payment. If the remaining balance exceeds $300 you may set up a payment plan by calling our Billing office at (888) 213-1711.

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• What if my credit card declines?

  If we run your card and it is denied for any reason, we reserve the right to charge an additional $25 declined card fee if we are not able to run a new credit, debit, or HSA card within 5 business days after a charge is declined.

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• How do I change my credit card number?

  If the card you have saved on file with U.S. Dermatology Partners changes, please notify your physician’s office immediately to provide updated card information. Or you may call our Billing office at (888) 213-1711.

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•  What if I need to dispute my bill?

  We will always work with you to determine if there has been a mistake on your bill and we will refund you if we have made a billing error. We will only charge you the amount that we are instructed to by your insurance carrier in your explanation of benefits.

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•  What if I do not have a credit card?

  If you do not have a credit, debit, or HSA card, we can accept a $100 deposit before checking in for your appointment which will go toward your visit. If the amount owed is less than $100 after the insurance has paid its portion, the credit remaining will be refunded.

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•  What if I do not have an email?

  All notifications will be sent via text message if there is no email address on file.

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•  What if I do not want to participate in the credit card on file policy?

  If you do not wish to put a credit, debit, or HSA card on file, we will accept a $100 deposit before checking in for your appointment which will go towards your visit. If the amount owed is less than $100 after the insurance has paid its portion, the credit remaining will be refunded.

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• Are there any exemptions from this policy?

  Medicare, Medicare replacement plans, Medicaid, and Tricare patients are exempt from the credit card on file policy.

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•  I still have questions. Who do I contact?

  Should you have any further questions, please contact us at (888) 213-1711.