Thank you for choosing Neel Raya MD Inc. for your health care needs. Neel Raya MD Inc. is committed to the improved health of our patients by providing appropriate, high quality, comprehensive family health care. For every commitment, there is an obligation. We feel it is the patient or guardians’ responsibility to meet their financial obligations.

As we see patients from many different insurance plans, it is impossible for us to know all the covered benefits, copays, and deductibles for each plan. While it is our intention to assist you, it is still your responsibility to ensure that all services rendered or referred by Neel Raya MD Inc. on your behalf are paid in full. In order to clarify Neel Raya MD Inc.’s billing procedure, we have listed below our billing policy.

• Patients Without Insurance Coverage

• Contracted, PPO & HMO Patients that have a Co-payment or Deductible

• Medicare Patients

• Medicaid Patients

• Workers Compensation Claims

• Other Insurance Carriers

• Civil Suits, Auto, Home or Business Owners Claims

• Services Provided to Minors

• When is payment expected from the patient?

• Do you charge interest?

• Bounced Checks.

• Collections policy.

Patients Without Insurance Coverage

Payment at the time of service is required. To avoid the additional costs associated with billing and sending out a statement, we offer a discount to patients without insurance coverage who pay for their services in full at the time of their visit. Back to Top

Contracted, PPO & HMO Patients that have a Co-payment or Deductible

If we are contracted with your insurance carrier, we will bill your insurance for you. Co-pays and deductibles must be paid at the time of service, as required by your insurance company. If you do not pay your co-pay at the time of service, you may be subject to a $10 processing fee for us to process a statement to collect your co-pay. There may be situations where you may be left with a balance when unknown co-pays, deductibles or non-covered services exist. This balance will not be subject to a processing fee and is due 30 days from the date on the billing statement you will receive. You will not receive a statement of a balance due from our office until after your insurance carrier has paid their portion of the charges, applied them to your deductible or requested that you provide additional information. Back to Top

Medicare Patients

We will bill Medicare for you. You will receive a statement after Medicare has paid their portion of the charges or applied them to your deductible.

If you have supplemental insurance to Medicare, we will also bill your Medicare Supplement for you. You will receive a statement from our office after Medicare and your supplemental insurance has paid their portion of the charges or applied them to your deductible. Back to Top

Medicaid Patients

We accept patients on the Ohio State Medicaid Programs. Patients on the Medicaid program are required to present a current medical card to the receptionist upon arrival at each visit. If you do not have your current medical card upon arrival, you may be asked to reschedule your appointment to a time when you have your medical card. Back to Top

Workers Compensation Claims

If you are seeing one of our providers for an injury that occurred during the coarse of your employment, please be sure to notify the receptionist that your injury is “work-related”. You will be given the proper paperwork to be filed with your employer and their insurance carrier for payment of your services. If your employer or their insurance carrier denies your claim, you will be held financially responsible for all charges incurred for services rendered on your behalf. Back to Top

Other Insurance Carriers

As a courtesy to all our patients, we will bill your primary insurance for you. You will, however, be expected to pay at the time services are rendered. We will reimburse you for any payment we receive if and when your insurance pays us directly. Back to Top

Civil Suits, Auto, Home or Business Owners Claims

If you are involved in a civil suit, auto, home or business owner’s accident and are seeking payment from the responsible party, we expect payment at the time of service. We do not bill the responsible parties insurance or attorney for your services in these situations due to the length of time it takes to settle these claims. Back to Top

When is payment expected from the patient?

We do expect payment at the time of service. If we are on contract with an insurance company, we expect the patient's portion of our fee, co-pay or deductible at the time of service. We accept cash, or check, as payment options. Back to Top

Do you charge interest?

No we do not charge interest. Back to Top

Bounced Checks.

We charge $30 for each bounced check. Back to Top

Collections Policy.

If after reasonable efforts on our part we do not receive payments for services rendered we will place the patient in collections and after this we will not be able to see the patient until the owed balance is cleared.  Back to Top