Financial Responsibility Guide
Financing with Prosper Healthcare Lending
Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over
$3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.
Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:
- Immediate decisions for loans under $35,000
- Longer terms for lower monthly payments
- No collateral required
- No prepayment penalties
- Fast & easy loan inquiry process
- Inquiry won’t affect your credit score
- 100% confidential
Here is a guide that may help explain your financial responsibility for services at PVSA:
Providing a copy of a debit or credit card for your office visit including procedures. If you require surgery, you will meet with our billing advisor or practice administrator to discuss financial options. Financing through Prosper Healthcare Lending is always an option see information and link above to find out more.
Possible copay, signing an Advance Beneficiary Notice (ABN).
All copays and deductibles are due at the time of your office visit.
See the option of using Prosper Healthcare lending. Payment is required in full at the time of your office visit.
Your insurance plan may require a referral if we are not listed as a provider under your insurance plan. Payment is required in full at the time of your office visit.
Providing all of the necessary information including your case number, adjuster’s name, address and phone number, contact information for your employer and a description of the incident and the date of injury.
Providing a copy of a debit or credit card for your office visit including procedures if you require surgery you will meet with our billing advisor or practice administrator to discuss financial options. Financing is always an option with Prosper Healthcare Lending see link above for more information.
Insurance & Payments Information FAQ
The physicians of PVSA are providers in many of the major health insurance plans including:
- Aetna PPO & Managed Care
- BMC Healthnet
- Blue Cross Blue Shield of MA and CT
- Tufts Health Plans
- Harvard Pilgrim
- Health New England
- United Healthcare
- HMO Blue, Blue Care Elect and Blue Care 65
- U.S. Healthcare
The insurance company agreement to pay for medical care is a contract between you and the company, not between the insurance company and your physician. Best advice, call your insurance company and ask if we are a provider.
PVSA accepts cash, debit card, personal checks, and Mastercard, Visa, Care Credit or Discover credit cards. If you do not have your copayment, your appointment will be cancelled and rescheduled.
Call your insurance plan and ask if they cover the type of weight loss surgery you are interested in. Also ask what requirements or criteria do they expect you to complete before they provide an approval or denial. Ask what steps you need to take if it is denied. We will assist you with the denial process.
Co-pay is a fixed amount that is your financial responsibility with your insurance company. Co-insurance is a percentage of the cost of the office visit, procedure or operation. Most plans are 80% paid by the insurance company and 20% is paid by you, the member.
Deductibles can be from $500 to $10,000 that must be met before the insurance company will start to provide coverage. This means that you, the member, must pay your deductible amount at the time of your office visit or before your operation. If you need an operation, our billing advisor and/or practice administrator will be able to advise you according to our policies and your insurance requirements.
Best advice is to call your insurance company and ask what you are responsible for and when does it renew or start again.
Call your insurance plan and ask if you need a referral for your physician. If you do need one but you did not obtain it prior to your appointment, you will be asked to sign a waiver making you responsible for the cost of the office visit.
Best advice is to find out if you need a referral from your insurance company and then call your PCP to request one before your appointment with us.
Please bring the following:
- Your insurance card
- Driver license or state issued picture ID
- Some method of payment to pay your copay, deductible or coinsurance portion