Financial Policy
The following financial policy has been developed to help you better understand your obligations and avoid common problems surrounding insurance reimbursement.

Please be aware that insurance companies differ greatly in terms of which services are covered and what portion of a covered service they will reimburse. Even within a single insurer, multiple plans may exist depending on the contract terms negotiated by your employer/group. Your insurance policy is a contract between you, your employer, and the insurance company. All charges are your responsibility, whether your insurance company pays or not.

Regulations do not permit a physician to set fees specific to individual insurance companies.

1. If you are an enrollee of a managed care plan with which we contract, you are required to pay applicable co-payments each time you are seen.
2. In addition to the co-payment, some plans have an annual deductible. You are required to pay this at the time of service.
3. Reimbursement for physician fees varies by insurance carrier. It is the responsibility of the patient to pay the remaining balance. Our office will bill you after your insurance carrier has paid its portion. Please do not hesitate to contact our staff at 615-771-7546 if you have questions regarding a bill received from Skin Solutions.
4. Covered services vary amongst individual insurance companies. Most insurance companies will not cover cosmetic procedures. Please take the time to review and notify us of your insurance company’s policies. If a procedure is not covered, you will be billed directly for those charges.
5. Some insurance companies require that lab work be sent to a specific laboratory. It is your responsibility to know which lab(s) your insurance company contracts with and to inform the draw station.
6. If you are enrolled in an HMO that requires a referral from your Primary Care Physician, you must have the referral with you in order to be seen by our office.
7. An additional charge of 33.3% will be added to any accounts that are delinquent and placed in collections. You will be responsible for all attorney fees and court costs associated with these collections. The delinquent amount will be placed with a Credit Reporting Agency and may affect your credit rating.
8. Please notify us as soon as possible if you need to cancel or reschedule an appointment so that other patients can be seen. Cancellations must be received by 7:00 am the day of your appointment; otherwise, your account will incur a charge of $25.00. Returned checks will also incur a $25.00 fee.

Although it is your responsibility to understand your insurance plan benefits, our staff is dedicated to working with you and your insurance carrier to ensure appropriate reimbursement for your medical bills. Please contact our billing department at 615.771.7546 with questions.