OMS Specialists is committed to providing the best treatment for our patients, and to find the most convenient financial options available to them. We work with you to get the best reimbursement for covered procedures from your insurance company.
When signing the registration paperwork, our patients are taking responsibility for the account and any unpaid balance. We cannot legally enforce divorce decrees. If there is more than one responsible party, we encourage you to have all financially responsible parties sign the registration paperwork. If you are covered by insurance, you are expected to pay for the estimated out of pocket expenses. This estimated payment is due the day of surgery. If you do not have insurance, or the procedure is not a covered expense, payment in full is required on the day of surgery.
We offer several options for payment, including cash, check, Visa, Mastercard and Discover, and healthcare financing through CareCredit. CareCredit offers payments interest free for up to 12 months, or low monthly payments for up to 84 months, based on your qualifications. The healthcare financing is a contract between you and CareCredit. OMS Specialists is happy to assist you in filling out an application, but we are not directly involved in the decision for approval.
OMS Specialists works with a variety of insurance companies, and work diligently to assist you in receiving the maximum coverage for your procedures. However, your coverage is based on the contract between you and your insurance provider.
You may have coverage from either medical or dental insurance, depending on the procedure. We assist you in maximizing your coverage. Because both insurances may cover your treatment, we ask that you provide all insurance information at the time of your first appointment. We can then reach out to your insurance provider during your appointment, and compile as much information as possible to best understand your out of pocket expenses. However, it is ultimately your responsibility to understand the specifics of your insurance coverage. It is possible that some or all of the procedures recommended would not be covered. And in some cases, a referral is required or optimal coverage.
An estimation of cost for your treatment is provided at your consultation. We will send a prior authorization request to your insurance provider upon request. Please allow up to 30 days for processing. Pre-authorization does not guarantee payment.
Once insurance benefits have been applied, you will receive a statement from OMS Specialists with the remaining balance. Most insurance companies provide payment within 30 days, although coordination of benefits may take longer. Any remaining balance once insurance has provided payment is your responsibility, regardless of any pre-treatment estimates. Prompt payment is always appreciated.
All pre-treatment payments must be issued on the day of surgery, or before. If you are unable to pay in full any remaining balance after insurance benefits have been applied, please contact our financial coordinator right away. As a general rule, OMS does not set up monthly payment plans, but we will work with you to prevent outstanding balances.
All over-payments will be issued to the appropriate parties. No refunds will be processed until all insurance claims are received and closed. If there is more than one patient for a responsible party, the refund may be used to pay off the other patient’s account. Refunds less than $5.00 will not be issued unless requested.
Accounts that are not paid will be sent to a collection agency for further action. All returned checks or cancelled checks are sent directly to collections. This will affect your credit rating, and you will continue to be responsible for all collection costs, attorney and/or court fees. All returning patients, payment will be due in full.