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Dr. Carol Meynen, M.D., F.A.C.O.G

Practice Limited to Gynecology. Hours by Appointment
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333 Anjou Drive
Northbrook, IL 60062
847-446-4370

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Fee-For-Service Billing Policy

I am pleased to welcome new patients to my practice. The following describes how I handle the billing for services I give to Fee-For-Service (non-Medicare) patients. I am changing some of my billing policies, so please read on and ask me any questions you have.

When I provide you with healthcare services, you are responsible to me for payment. Whether under Medicare or private insurance, you are ultimately responsible for paying the bill. If you have health insurance, it will assist you with the payment for services depending upon many factors. All patients with health insurance should understand their insurance coverage and when co-payments and deductibles apply.

Our relationship

My concern is for you - my patient. I want to spend the time you need to be comfortable with the diagnosis and treatment of any health complaint. I also want to keep you informed of alternatives for managing our unique women's health issues at all stages of our lives. I have structured my practice and my business approach to allow us to focus on these issues.

I no longer perform obstetric care or surgical procedures. I will do diagnostic procedures in the office when indicated to assist in diagnoses. If I believe that you should consult a surgeon or other specialist, then I will recommend two or three whom I trust.

I do not submit insurance claims for you

Instead of incurring the overhead cost of filing and pursuing payment from private insurance carriers, I choose instead to keep my fees low and provide patients with excellent, attentive care. Therefore, I do not have business relationships with any private insurance carriers - and have not since I established my own practice in 2004. I now practice medicine in the interest of my patients rather than the interest of insurance companies.

Because I do not accept insurance assignment, I will expect you to pay at the time of service. My fee for office visits is normally between $125 and $250 based upon needed lab tests, such as an annual Pap smear. During each visit, my office will provide you with a document that should be suitable for making your own claim for reimbursement from your insurance carrier. If your carrier requires additional documentation, I will be happy to provide it when requested. You have the business relationship with the company and thus are responsible for collecting your reimbursement. I strongly encourage you to do this. It is not difficult and you have paid for the insurance coverage.

Revised October 2015

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Medicare-as-Primary Billing Policy

I am pleased to accept Medicare patients in my practice. The following describes how I handle the billing for services I give to Medicare patients. I am changing some of my billing policies, so please read on and ask me any questions you have.

When I provide you with healthcare services, you are responsible to me for payment. Health insurance may assist you with the payment for services depending upon many factors. All patients with health insurance should understand their insurance coverage and when co-payments and deductibles apply. Whether under Medicare or private insurance, you are ultimately responsible for paying the bill.

I submit Medicare-as-primary claims for you

Medicare as the primary coverage is the only insurance program for which I submit claim paperwork. As a Medicare participating physician, I have agreed to a fee structure dictated by the government. I will never collect more from a Medicare patient than this fee structure allows. I only submit claims to Medicare - I rely upon Medicare to forward claims electronically to the secondary ("Medigap") insurance carriers. In Medicare has no secondary insurance carrier on file, then I will bill you for the outstanding amount.

Since you are ultimately responsible for payment, I may bill you for any balance due after insurance sources have paid their portions. If I receive additional payment from insurance after you have settled the balance, then I will refund that amount to you. Please note that often your insurance carrier will tell you that they have paid me up to a week before I receive payment.

Basic Medicare coverage

Basic Medicare coverage sets the fee to be paid for my services and then requires a co-payment from the patient. For most services, the co-payment is 20% of the fee set for the service. There is also an annual deductible that you must pay before Medicare will begin paying any benefits. If the deductible has already been paid for prior services, Medicare will remit to me 80% of the fee. You, or your Medigap insurance carrier, are responsible for the balance.

Revised October 2015

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Medicare Advantage programs through private insurance carriers

As of January 1, 2015, I will no longer accept Medicare Advantage Plan insurance for payment. Thereafter any Medicare Advantage patients will become Fee-for-Service and pay at time of service.

Revised October 2015

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When private insurance is primary and Medicare is secondary

In special situations, Medicare can be the secondary insurance after a private carrier. I cannot initiate the claims process either to the private primary carrier or to Medicare and instead I will send you standard claim forms to use in your insurance claim submissions. I will require payment within 60 days.

Revised October 2015

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Revised October 2015

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© Carol A. Meynen, M.D. All rights reserved.