Financial Policies and Procedures

If you have a billing question, please call: (302) 212-9096

We understand how complicated insurance plans can be and will do our best to assist you in understanding your benefits and financial responsibility. Our team strives to ensure you understand your treatment and applicable charges. We value you as a patient and recognize that you need clear, concise answers when it comes to your financial responsibility. Our financial policy is simple and easy to understand.

As the patient, you are responsible for providing our team with (1) an up-to-date insurance card and (2) government issued photo identification card. A photo identification card must be presented on the date of service or a valid photo identification card must be present on the patient’s file. It is also your responsibility to understand your individual benefits offered under your plan. If you have any questions about your plan please call your insurance company plan administrator. 

If you are unable to provide our team with an insurance card, you will be required to pay for your visit at the time of service per the terms of our self-pay rate. If we are unable to validate and verify your insurance on the date of service, you may be required to pay for your visit at the time of service per the terms of our self-pay rate, and/or a Deductible Deposit until that claim has been paid by the insurance carrier.

Atracare Health will file a claim on your behalf with the appropriate insurance carrier, and accepts assignment of insurance benefits, which means your insurance carrier will pay us directly based upon your benefit coverage. By signing the Registration Form and Financial Disclosure, you authorize the assignment of your benefits to Atracare Health for treatment and related services and acknowledge the receipt of this Financial Policy.

Our team collects a patient’s financial responsibility at the time of their visit, including copayments, coinsurance percentage deposits, and deductible deposits. Our team will determine your financial responsibility based on your insurance card and benefits profile from your insurance carrier. Please understand that under the rules of our insurance contracts we are required to collect copayments, coinsurance percentage and any non met deductibles at time of service. 

Patients with deductibles, coinsurances, and/or unable to verify insurance on date of service, will be subject to a $75 deposit. This does NOT mean that the deposit will cover the cost of the whole visit. Once we receive an Explanation of Benefits from your insurance company, and have received payment for your visit, we will either reimburse or bill you the difference.

Personal Checks and Traveler’s checks are NOT accepted. Atracare Health is always seeking ways to improve our efficiency and service. We have instituted a “credit card on file” system to allow smoother transactions and billing for your visits. At your visit we will take your credit card info, and save the card on file. Your credit card information will be safely held on a secure, encrypted gateway site. No financial information will be available to our staff, held in our system, or at our office. Co-payments will still be collected at each visit and can be paid in any manner you choose at that time. If your insurance is accepted by Atracare Health, we will submit your claim as usual. When your claim is processed you should receive an explanation of benefits (EOB) from your insurer that outlines what part of your service has been covered by your insurance and indicates exactly how much remains your responsibility to pay for services rendered. A statement of the charge will be mailed to the address provided and a paid receipt for the balance.

Atracare Health is contracted with various government and commercial insurance carriers. If Atracare Health is not contracted with your insurance company or you have an out-of-state plan, our team is still happy to serve you, but will require payment in full at the time of service. Referrals and authorizations are patient responsibility. Please call your insurance carrier to verify if you need a referral and/or authorization for your visit.

Many insurance carriers, including Medicare, will no longer pay for durable medical equipment (DME), such as crutches, braces,and boots etc., obtained at a physician’s office or clinic. Therefore, if you wish to obtain DME at the time of your visit, you may be required to pay in-full at the time of service. Medicare patients are required to complete an Advanced Beneficiary Notice (ABN). Otherwise, if you want Medicare or your insurance to pay for your DME, you will be given a DME prescription, which you can take to your preferred DME supplier or pharmacy.

Diagnostic testing, such as laboratory testing and imaging, may need to be performed at an outside facility, such as the hospital, or independent lab like Quest Diagnostics or LabCorp. These facilities have their own physicians/independent practitioners, (i.e.radiologists, pathologists, etc) who provide the clinical interpretation of your tests. Likewise, these facilities and their physicians or independent practitioners operate and bill independently from Atracare Health. They establish their own fee schedules, payment policies, and insurance contracts. Some insurance companies have a preferred lab and/or imaging facility that their insured must use, and failure to utilize the preferred facility, may result in a larger out of pocket expense to you. It is your responsibility to know if your insurance company is contracted with a preferred lab. 

If the patient is a minor (under 18 years of age), the parent or legal guardian of a minor is financially responsible for payment at the time of service, as well as obtaining any required referrals and providing insurance and picture ID cards. Minors must be accompanied by a parent/legal guardian or by a designated adult who has been given written permission to make medical decisions, on behalf of the parent/guardian, for the minor child. 

In the event your account is turned over to an outside collection agency, you will be responsible for an additional associated costs incurred to collect unpaid debt. If your account is turned over for collections to a third party collection agency, or if a past due amount is reported credit bureaus for late payment, non-payment, or charge-off, the record of the patient visit may become public record. Failure to maintain financial responsibility may cause you to forfeit your right to confidentiality. 

Atracare Health reserves the right to refuse treatment to anyone who fails to comply with these policies, or for non payment of past services subject to state and federal law. 

These policies are subject to change without notice. 

Attention Workers Compensation Claimants:

As the employee, you must report any work related injuries to your employer. You must provide Atracare Health with the appropriate claim number, insurance company name and address, claims adjuster name and any relevant phone numbers. If your employer fails to report your injury and/or the insurance carrier denies your claim for any reason, you will be financially responsible for services rendered. All Workers Compensation claims will be sent to the appropriate insurance carrier for processing. As a patient, you must sign the Benefits Assignment Form for authorizing the assignment of your benefits to Atracare Health  for treatment and related services and acknowledge the receipt of this Financial Policy.

Attention Automobile Accident Claimants:

Atracare Health will bill your personal auto insurance carrier should you incur injuries as a result of a motor vehicle accident. A third party insurance carrier cannot be billed for services.

You must provide us with the correct claims information including insurance company name, claim number, claims adjuster name, relevant phone numbers, etc. If for any reason this claim is denied, you will be financially responsible for services rendered. As a patient, you must sign the Benefits Assignment Form for authorizing the assignment of your benefits to  Atracare Health for treatment and related services and acknowledge the receipt of this Financial Policy.

Attention Uninsured Patients:

Atracare Health does offer a prompt pay discount. In order to receive these savings, all charges are collected at the time of service. All charges must be paid at the time of service.

In the event your financial responsibility is not collected in full at the time of service, you will receive a statement. Prompt payment is appreciated. 

Payments for services rendered to self pay patients are due on the date of service (DOS). The charge for an office visit does not include any additional procedures including, but not limited to, blood draws, in-house lab testing, x-rays, medications, injections, sutures, suture removal, crutches, slings, casting materials, and other durable medical equipment.

Any additional charges incurred from X-rays or lab work that is performed at an outside facility is the sole responsibility of the patient or guarantor.

We reserve the right to vary our charging rates from time to time. We will use reasonable commercial efforts to notify you of any such changes that will fall immediately due on notice for all Services.

Latest News and Clinic Information

We are your partner in health. Stay up to date with latest news and information.

Kelly Palekar, Winner of the Daisy Award

Last week, the Delaware Nursing Association had its inaugural Daisy event in Dover, Delaware, where they recognized two direct care nurses throughout the state. Kelly Palekar, our psychiatric nurse practitioner in the mental health department, was given a distinguished honor and recognition for her direct patient care skills.

Read More

Antibiotics Available in the Lobby at Atracare: Skip the Line at the Pharmacy

Atracare will become the first medical practice in Delaware to offer InstyMeds; a state-of-the-art medication dispensing technology. In many cases, InstyMeds will automate the need for multiple trips to get common medications by offering them on-site at their locations in Lewes and Ocean View. Learn what this means for you and your loved ones.

Read More

Navigating the Maze of Viral Illnesses This Fall: COVID-19, Influenza, and RSV

As we enter the fall season, it’s essential to stay informed about the viral illnesses that can affect our community. In Delaware, the changing weather, increased indoor gatherings, and a new school year can contribute to the spread of infectious illnesses including influenza (flu), COVID-19, and respiratory syncytial virus (RSV). 

Read More