Our knowledgeable and helpful Patient Account Representatives (PARs) are available to assist with any questions you may have about statements, billing or insurances. To speak to a PAR, call the department directly at (615) 446-1365.
Uninsured patients are required to pay for services when they are rendered. The amount you are asked to pay will be an ‘estimate’ only, as there may be additional charges for tests and other services rendered subsequent to your visit. Depending on the tests performed, you will either be billed for these items or asked to pay at time of service.
If you are insured by one of the plans in which DMA participates, DMA will file your insurance as a courtesy. We accept assignment of benefits for most insurance plans. DMA is contracted with several managed care plans, preferred and exclusive provider organizations, and private insurances. Your insurance company requires us to collect any applicable copayments, coinsurances, deductibles, and charges not covered by your insurance company at the time of service.
We do our best to verify your insurance coverage and limitations. However, you are responsible for keeping us up to date on any changes to your plan or policy. Please inform us of any changes to your insurance coverage. It is also very important that you inform us of any change to your address, telephone number, or employment.
After charges are processed by your insurance company, you will receive a statement from our office indicating any balance due. Payment of the balance is expected within ten (10) days of the billing date on the statement.
Past-due accounts may be turned to a collection agency without notice. If your account is turned to a collection agency, you may be responsible for all reasonable collection fees associated with collection of your debt. Additionally, you may be dismissed from our practice for financial matters, making it necessary for you to seek healthcare elsewhere.
To learn more about our billing processes, click here to view our financial policy.
Frequently Asked Questions and Answers about Statements
I am covered by insurance, so why am I getting a bill?
Although many medical services are covered under your insurance plan, there are some services that are classified as non-covered services. Each plan defines what those non-covered services are, and describes them in the information given to each plan holder. It is the responsibility of the plan holder to understand their benefits.
Why didn’t my physician advise me that my physical would not be covered under my insurance plan?
There are hundreds of different insurance plans with hundreds of variations as to the benefits offered. Our physicians have no way of knowing each patient’s coverage. It is the responsibility of each patient to know their individual coverage.
Most insurance plans will not cover sports, school, or employment physicals. If you are seeing your physician for this type of physical, you will need to be prepared to pay for the visit.
Why does it take so long to receive a statement from Dickson Medical Associates?
If a patient is covered under an insurance plan, a claim is generated within a few days of the time the medical services were received. Claims are sent either electronically or by paper, depending on the capabilities of the insurance plan. Claims sent electronically will usually be paid within a 30 day time period. Claims sent via paper will usually take over 45 days before they will be paid.
If a patient has a secondary insurance, the secondary insurance cannot be billed until the primary insurance pays their portion. A claim form is then generated, the Explanation of Benefits from the primary insurance is attached to the secondary claim, and the claim is sent, via paper, or electronically to the secondary insurance. It can take up to 90 days before the secondary insurance pays the balance of the claim.
If there is a portion left over that is the responsibility of the patient, a statement is generated. This could be several weeks before all of the above activity is completed.
Why can’t you change my diagnosis so my insurance plan will pay for the service?
Only physicians can diagnose patients. It is illegal to create a diagnosis just to satisfy an insurance company.
What is my deductible?
Dickson Medical Associates does not have access to your individual benefits. Your benefit information will tell you the amount of your deductible. You can call the number on your insurance card and they will be able to advise you of your deductible. They can also tell you if you have satisfied your deductible for the calendar year.
Why am I receiving a bill when I paid in full on the date of service for my self-pay charges?
The amount you were asked to pay on the date of service was an ‘estimate’ only, as there may have been additional charges for tests and other services rendered subsequent to your visit.