Our Financial Policy
Palouse Medical is committed to providing the highest level of quality medical care and personal service to our patients. We are willing to discuss our professional fees at ANY time. Many of our patients have questions regarding insurance responsibility. Your clear understanding of our financial policies is important to our relationship. We have created this financial policy with the hope that it will help answer questions you may have about our financial policy and billing protocols.
For your convenience, Palouse Medical participates with most major insurance companies and Medicare. Since we see patients from many different insurance plans, it is impossible for us to know all the covered benefits. Knowing your individual insurance policy and who your Primary Care Provider (PCP) is your responsibility.
Please contact your insurance company with any questions regarding your coverage.
While it is our intention to assist you, it is still your responsibility to ensure that services rendered by Palouse Medial are paid in full. We feel that it is the patient or guardian’s responsibility to meet their financial obligations. You are expected to pay for charges that are patient responsibility in full, this includes:
- Deductible amounts
- Charges for services NOT covered by insurance
REGARDING LABORATORY TESTING
Charges for laboratory test done by Palouse Medical will be included on your statement. Laboratory tests which are NOT performed by Palouse Medical will be billed separately by the servicing facility or provider.
ACCEPTED METHODS OF PAYMENT
For your convenience, we gladly accept payment in the form of cash, check, or by Visa or MasterCard credit cards. Please note that there will be a $25.00 charge for checks that are returned due to non-sufficient funds.
Please click on the tabs below to learn more about our financial policy and billing protocols.
Resources For The Uninsured?
As part of national health care reform, the Washington Health Benefit Exchange has created Washington Healthplanfinder – an easily accessible, online marketplace for individuals, families and small businesses in Washington State to compare and enroll in quality health insurance plans and access important cost savings.
Starting January 2014, federal law will require most Americans 18 years or older to have health insurance or pay a penalty fee. Many Idahoans already have health insurance provided through their job or receive Medicaid or Medicare benefits. For everyone else, you will be required to buy a plan for yourself. Your Health Idaho, Idaho’s official health insurance marketplace, wants to help remove the complication out of selecting the plan that’s right for you and your family.
PAYMENT AT TIME OF SERVICE
Co-pays, deductibles and non-covered charges are required to be paid in full at the time of service.
For self-pay patients we offer a 20% discount, to be paid in full at the time of their appointment. Short-term payment plans are available upon request and must be approved prior to services being rendered. We are unable to provide discounted rates on laboratory and x-ray services.
Patients who filed a civil suit, home, auto, business claim, or those with international insurance coverage are required to pay at time of service. We do not third party bill (including attorneys), due to the length of time it takes to settle these claims. We will provide you with documentation regarding services rendered for you to submit.
There may be situations where you may be left with a balance when unknown co-pays, co-insurance or deductibles occur. Our statements will either come to you on paper, or electronically depending on how your account is set up. This balance is due upon receipt. You will not receive a statement from our office until after we have heard back from your insurance carrier.
[tab title=”Payment Plans”]
SHORT-TERM PAYMENT PLANS
Our Billing Team at Palouse Medical is here to assist you with your financial needs. We do offer payment plans for patients who are unable to pay their balance in full. We offer a policy that awards 90 days to pay the balance due without finance service fees. Payment is required on your account each month in order for your account to stay in good standing.
SUGGESTED MONTHLY PAYMENT
|$0.00 – $250.00||FULL BALANCE OR 1/2 OF REMAINING BALANCE|
|$250.01 – $500.00||$ 50.00|
|$500.01 – $750.00||$ 100.00|
|$750.01 – $1,000.00||$ 150.00|
|$1,000.01 – $1,500.00||$ 200.00|
|$1,501.01 – $2,000.00||$ 250.00|
PAYMENT PLAN REMINDERS:
- Once you have a payment plan agreement, you must make all payments on time in the correct amount, beginning with the payment plan start date.
- Paying more than one month does not lower the next month’s payment amount due.
- There is NO penalty for prepayment. You can pay more than the monthly amount due or pay your bill in full at any time.
REGARDING ACCOUNTS SENT TO “COLLECTIONS”
We perform a follow-up on patient bills by sending a series (up to 3) of collection notification letters to patients, requesting payment of the past due amount. If the patient has not made a payment or contacted us to set up a payment plan within six months from the date of service, the patient account will be sent to an outside collection agency. Once the account is sent to collections, the patient will not be able to schedule an appointment with their provider until that balance is paid in full.
Palouse Medical uses the following collection agency:
Automated Accounts, Inc.
430 W Sharp Ave
Spokane, WA 99201
Please feel free to contact them by phone at: (509) 326-2276 OR toll free at: 1-(800) 421-8470.
[tab title=”Sliding Fee Notice”]
Sliding Fee Scale Notice
Discounted/Sliding Fee Application
It is the policy of Palouse Medical to provide essential services regardless of the patient’s ability to pay. Discounts are offered based upon family income and size.
Please request an application, complete all the required information, and return the completed forms to the office. Palouse Medical will then process your documentation and review the information provided to determine if you, or members of your family, are eligible for a discount.
If approved, the discount will apply to all services received at this clinic, but not those services which are purchased from outside our clinic. Some of the services that will not be covered include: reference laboratory testing, drugs, x-ray interpretation by a consulting radiologist, and other such services.
In the hope that your financial situation improves, discounts apply only to current, not future services. Additionally, this form must be completed every 6 months. Please inquire at the front desk or ask to speak with a representative of our billing office if you have further questions.
Please ask if you have questions about our fees, Financial Policy, or your financial responsibility. If you have any further questions, we hope that you will not hesitate to visit with a member of our Billing Team.
(509) 332-1229 | Billing Team
AAvailable from 8:00am-5:00pm Monday – Friday.