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Why are we changing our payment policy?

A Credit Card on File (CCOF) policy is becoming a standard within the healthcare industry. It’s purpose is to guarantee payment for services rendered that may not be completely covered by insurance including services applied to a patient’s deductible.


Why is this being applied to everybody?

We understand that most of our patients pay their balances in a timely manner. Unfortunately, this is not always the case, and neglected balances for services already rendered affect the cost of healthcare for all. This system will streamline billing for our patients and help keep administrative costs down so that we can provide the same level of extraordinary care that you and your family have come to expect


Will a ‘hold’ be placed on my card when I sign up?

The only hold that will be placed on your card is a $1.00 (one dollar) temporary hold to verify the validity of the card. One it has been verified, that temporary hold will be removed. To understand how the billing process works, see the When will my card be billed? section below.



How will I know how much I will be charged?

Your insurance company will send you an Explanation of Benefits (EOB) in the mail that explains how much of your visit or service they will cover and how much you will pay. This EOB tells you exactly, according to your health insurance coverage, how much of your healthcare bill is covered by your insurance and how much you owe to the practice.


When will my card be billed?

Your card will not be billed until the practice receives the same EOB that you do. This is typically within a couple weeks of your visit. We check the EOB thoroughly to ensure that your insurance company pays for their portion of the bill. Once we receive this back, we will send you an eStatement to the email you provided to us with the amount due and the amount that will be initially charged to your card within 3 days of the receipt of the statement. Your card will be charged up to the amount you have listed as your ‘up to’ amount when you signed up for the program. If the amount is less than the ‘up to’ that you authorized, the lesser amount will be charged.

You will then have 30 days to pay the remaining amount due however you wish (or go on a payment plan if you need some extra time). If the remaining balance has not been paid within that 30-day period, it will be charged to the card on file.


How do I know my card information is safe?

                We do not keep any of your credit card information on file at the practice. We use a secure, encrypted 3rd party to ‘tokenize’ that is compliant with all laws. Tokenization is the process of replacing sensitive data with unique identification symbols that retain all the essential information about the data without compromising its security. Tokenization makes it more difficult for hackers to gain access to cardholder data, as compared with older systems in which credit card numbers were stored in databases and exchanged freely over networks.


Is this PCI compliant?

               PCI DSS is short for the Payment Card Industry Data Security Standard which insures the secure transfer of payment information over a network. The system that we are using follows this standard and is fully compliant.



What if I need to dispute my bill?

                Our billing department is open 5 days a week to help address any concerns you may have about your bill. They will readily answer any questions you may have and work with you to determine if a mistake has been made during the billing process or not. We will only charge the amount that we are instructed to by your insurance carrier, in the EOB that they send to us, in the same way that we normally determine how much to send you a bill for in the mail. If you have any questions about your coverage, please contact your insurer upon receipt of your EOB. If you need to reach our billing department, you can either email them at or call them at (847) 770 - 6668.


What if I do not have a credit card?

                You are welcome to leave a debit card or a Health Savings Account (HSA) card.