PATIENT INFORMATION

Financial Policies and Payment Options

Thank you for entrusting Oregon Surgical Specialists with your healthcare needs. We are committed to providing you with high-quality medical care and ensuring a transparent and efficient billing process. To help you understand your financial responsibilities and our billing procedures, we ask that you carefully review the following financial policies.

BILLING OFFICE PHONE NUMBERS

Pay Your Bill Online

You may now pay your bill online.

Billing Information

Co-Pays and Insurance: You are financially responsible for all charges regardless of potential insurance coverage. You will be required to make your co-pay and/or co-insurance payments at each visit. We will bill your insurance as a courtesy to you, but it is your responsibility to ensure your account is fully paid. If you have secondary insurance coverage, you must provide that information at the time of service.

Self-Pay (No Insurance): For those without insurance, a deposit of $250.00 is required at your visit, and we will bill you the remaining balance. Full payment is required upon receipt of your bill.

No-Show Policy: To ensure we can provide timely care to all our patients, we require at least 24 hours’ notice if you need to cancel an appointment. Failure to provide adequate notice or missing an appointment without prior notification will result in a $50.00 “No-Show” fee. This fee must be paid before scheduling any future appointments, and repeated no-shows may lead to discharge from our practice.

Statements & Delinquent Accounts:  We will send you a monthly billing statement. Accounts unpaid for 90 days from the date of the first patient statement will be considered delinquent or “past due”. Past due accounts are subject to an interest rate of .75% per month, or 9% annually. We reserve the right to decline to provide any further services until the closed amount is paid in full or you make appropriate payment arrangements with our billing office. Past due accounts may be sent to an outside agency for collection.

Service Charges:  To the extent permitted by law, we reserve the right to apply a finance charge in the amount of .75% per month or 9% annually to all account balances after 90 days from the date of the first patient statement, until paid in full. If a check is returned as unpaid by your bank, we will assess a fee of $35.00 to your account and we will reverse any payment-in-full discounts.

Responsibility for Services Provided by Outside Professionals: As part of your medical care, our providers may deem it necessary for you to receive services from outside professionals such as pathologists, laboratories, radiologists, and other specialized providers. These services will not be billed by our practice and will be billed separately. You are responsible for any co-payments, deductibles, co-insurance, or any other balance not covered by your insurance for these outside services.

Credit OPTIONS

Oregon Surgical Specialists offers Prosper HealthCare Lending to help make health care expenses affordable. Through Prosper HealthCare Lending you may be eligible to obtain a loan up to $100,000 that has the following features:

• no prepayment penalties
• terms out to 84 months
• submit the application and receive a decision all within 2 minutes

Referrals

We will need a referral from your primary care or treating physician to schedule you for an appointment. If your insurance requires authorization for an office visit by a specialist, we will also require your referring physician to obtain this pre-authorization from your insurance company.

Questions

Please contact our billing office at 541-930-8921 for assistance concerning payments, payment plans, options for financial assistance, or any other billing questions. Thank you for choosing Oregon Surgical Specialists for your healthcare needs. We appreciate the opportunity to care for you.

Oregon Surgical Specialists Financial Policies PDF 

Medicare Advance Beneficiary Notice (ABN)

An ABN is a written notice from Medicare (standard government form CMS-R-131), given to you before receiving items or services that may not be covered by Medicare. The ABN form is used to alert you that:

• Medicare may deny payment for that specific exam or procedure.
• You will be responsible for full payment if Medicare denies payment.

An ABN gives you the opportunity to accept or refuse the items or services and it provides you the right to appeal Medicare’s decision. Medicare’s ABN Form  . For more information on the ABN form and the Medicare appeals process please visit MedicareInteractive.org. This web site is helpful in understanding the Medicare ABN process.

Financial Resources

Federal Poverty Guideline Sliding Fee Application

For those who may be experiencing financial hardship, sliding fees may be available to private pay patients who have no insurance coverage and have an annual combined household income that falls within the Federal Poverty Guidelines.

Uninsured

Foundation for Health Coverage Education
This is a helpful web site for researching possible insurance options that may be available to you. Or call their toll free number at 1-800-234-1317.

Oregon Department of Human Services

The Oregon Health Plan (OHP)
Offers health care to its members at little or no cost. Members must meet income restrictions.

Oregon Helps
Provides links of many programs and services available through the Department of Human Services.

Senior Health Insurance Benefits Assistance (SHIBA)
The SHIBA program uses trained volunteers to help people with Medicare make health insurance decisions.

Oregon Medical Insurance Pool (OMIP)
OMIP was established by the Oregon Legislature to cover adults and children who are unable to obtain medical insurance because of health conditions. OMIP also provides a way to continue insurance coverage for those who exhaust COBRA benefits and have no other options.

Oregon Prescription Drug Pool (OPDP)
The legislature recently expanded the Oregon Prescription Drug Pool to include all Oregonians who are uninsured or underinsured for prescription drug coverage. Savings by belonging to the pool can be as much as 45%.

Here in Jackson County, it is estimated that over 33,000 residents qualify for membership in the plan, but only 14% of that number, fewer than 4700 people, have signed up (as of July 2008).

Breast and Cervical Cancer Medical Program (BCCM)
Only women can be enrolled in the BCCM Program, which is a portal to the Oregon Health Plan Plus for breast and/or cervical cancer treatment. The woman must be uninsured, enrolled in the Oregon Breast & Cervical Cancer Program, and have a definitive diagnosis of cancer, CIN II or CIN III. For more information call 1-877-255-7070.

Assistance for Breast Cancer Patients

Susan G. Komen Foundation
New financial help is available to qualifying (low income) women for assistance with gas, lodging and meals while traveling to obtain a diagnosis or treatment for breast cancer. Call the American Cancer Society at (541) 779-6092 for details. This funding is powered by a grant from the Susan G. Komen Foundation.

Call a Ride
Volunteer drivers provide transportation to medical appointments for seniors (60+) and the disabled. Or call (541) 857-0606.