Allergy & Asthma Care of New York: Insurance / Financial Policy
Thank you for choosing Allergy & Asthma Care of New York. We appreciate that you have entrusted us with your health care and we are committed to providing you with the best care possible.
Because health care benefits and coverage options have become increasingly complex, we have developed this financial policy to help ensure that you understand your financial responsibility.
Your health insurance policy is a contract between you and your health insurance company or your employer. Please note that it is your responsibility to know if your insurance has specific rules or regulations, such as the need for referrals, pre-certifications, pre-authorizations, limits on outpatient charges, and any requirements for specific physicians, labs and/or hospitals to use. You should be knowledgeable of any deductibles, copayments, and/or coinsurance. This applies to all payors regardless of whether or not our physicians participate, although our office does participate with most major insurance companies.
If you are uncertain about your health insurance policy benefits you should contact your plan to learn the details about your benefits, out-of-pocket fees, and coverage limits.
When you make your first appointment with us, our scheduling department will ask you for your insurance information. Prior to your visit, we will attempt to verify your insurance coverage and, in order to assist you, we will also request information regarding your benefits.
When you arrive at your first visit, please bring your insurance card that we will copy or scan for our records. On subsequent visits, it is your responsibility to notify us of any changes to your benefits.
Please be aware of and provide any required referrals or authorizations in advance of the appointment or service. If you do not provide these before care is provided, you may be responsible for the cost of the care and you will be asked to sign a form acknowledging that you are being seen without a referral and may be responsible for the cost. When in doubt, contact your plan directly for clarification.
Our doctors belong to many insurance plans but participation differs by doctor. Before your appointment, please be sure your doctor is in-network. If your doctor is out-of-network, you will be billed for the costs of the care. Many plans do not have out of network benefits. We will attempt to help you find out of you have out-of-network benefits and submit a claim to your plan on your behalf.
In the event you are unable to keep your scheduled appointment, please contact us at either number on the website. As we are reserving a time slot for your visit, we would greatly appreciate 24 hours notice whenever possible. In the event you do not call us to cancel your appointment before the scheduled time, you may be subject to a cancellation fee in the amount of $75.
Address and Phone Numbers
It is important that we have your correct address and phone number(s) on file. We will ask for more than one phone number for our records so we can reach you as needed. Please advise us anytime there is a change to your address, telephone or other contact information.
Co-payments/ Co-insurance/ Deductibles
You are expected to pay your co-payment and any co-insurance and/or deductible amounts, if known, at the time of service.
Payment is due at the time services are provided or upon receipt of a statement from our billing office. We accept payment in the form of cash, check, money order or credit card (American Express, MasterCard, and Visa). Returned checks are subject to a fee of $25.00. We do not accept traveler’s checks.
Additional fees may apply to the following:
- Returned checks
- Completion of disability or other forms
- Copying of medical records
- Out-of-Network Providers
If the doctor is not in your insurance plan, the following apply:
- Full payment is due at the time of service for routine visits
- Payment requested on the date of service may be an estimate of your total charges
- You will be quoted an estimated fee before service/procedures are performed
- After your appointment, we will submit a claim to your plan for services performed
Medicare Patients. Medicare may not cover some services your doctor recommends. You will be informed ahead of time and given an Advanced Beneficiary Notice (ABN) to read and sign. The ABN will help you decide whether you want to receive services, knowing you are responsible for the payment. You must read the ABN carefully.
Non-Medicare Patients. Any services not covered by your plan are your responsibility and must be paid in full at the time of service or upon receiving a bill.
A refund is issued when an overpayment has been identified. If you feel a refund is due, please contact Brenda or Kim at our billing office at (212) 964-1295 or (212)759-8644.
Failure to Pay
If you do not pay your bill, your account may be sent to an outside collection agency. If your account is sent to a collection agency, you will need to contact them directly to settle your balances.
Policy and Fee Changes
These policies and fees are subject to change. We will do our best to keep you informed of any modifications.
We know medical care can become expensive. If you have concerns about your ability to pay, please contact us for help in managing your account. If you have questions about these policies, feel free to contact Brenda or Susan at our Billing Department at (212) 260-6078 or (212) 964-1295.
Allergy & Asthma Care of New York accepts most insurance plans.
If you have any questions for the NYC allergists or would like to schedule a consultation with the allergists please feel free to contact Allergy & Asthma Care of New York (212) 964-1295 or (212) 759-8644 and indicate which NYC office (Financial District, Gramercy, Midtown, Upper East Side) you would like to be seen.