Our Office Financial Policies and Insurance Information
We are happy to provide you with a pre-surgical estimate of fees for your treatment plan. As a surgical specialty office, Northern Star OMS (NSOMS) believes in delivering the finest care we are capable of at the most reasonable cost possible. In most cases, insurance does not cover the full cost of surgical care. Insurance coverage is designed to reduce your cost, not eliminate it.
It is your responsibility to know and understand your insurance policy and the coverage of benefits it provides. We will submit your insurance claim to your dental and medical insurance company(s) as a courtesy to you. This does not imply or guarantee that your particular plan will cover your anticipated procedure, either in part or in full. We require that you pay any deductibles, co-payments, and fees over your annual maximum at the time of surgery. If the processing of your claim has been delayed, we request your assistance in expediting the process.
Some professional services require the assistance of outside laboratories. Fees for providers of these services are not included in the surgical fee and are your responsibility. You will be billed directly by the laboratory. Examples of services that would require the assistance of outside laboratories include, but are not limited to, CT scans and biopsy analysis.
After your claim has been processed by your insurance company(s), over payments (if any) will be refunded to the appropriate party. This may be the insurance company, the patient, or the guarantor. If there is a balance, NSOMS will send you a statement. A 1.5% finance charge will be added to any balance over 30 days. In the event your account is placed with an agency for collection purposes, you will be responsible for all collection agency fees (up to 30% of the balance placed for collection). In addition, you will be responsible for all court costs, filing fees, and attorney fees should your account require litigation. Checks returned for insufficient funds will be assessed a $25.00 fee.
We offer the flexibility of accepting cash, personal check, and all major credit cards.
We offer CareCredit for anyone looking to finance their treatment with our office. CareCredit gives you flexibility and convenience when managing your family’s out of pocket health care expenses.
Applying only takes a few minutes and you will get a decision almost immediately. Pick one of the following options for completing your application:
- Call 1-800-365-8295 and speak with a customer service agent.
- Visit www.carecredit.com and complete the patient application.