Financial Policy
Our goal is to build a successful relationship with you. Your understanding of PALM Health’s financial policy and your responsibility for payment of services are important to our professional relationship. If you have any questions about our fees, policies, or your responsibilities, please ask a PALM Navigator. It is your responsibility to notify us of any changes in your name, address, telephone, or insurance information.
INSURANCE
PALM is not in network with insurance. Therefore, PALM does not collect copays for visits. Depending on your membership level, your program may include your medical visits and services. If the services are not included, you are responsible for paying each service based on our fee schedule.
We will use your insurance information to help you obtain prior authorizations for your insurance to cover diagnostic imaging, tests, medications, and medical care outside of PALM.
LABS
Labs submitted through Quest or LabCorp will be processed through your insurance and are subject to your co-pay, deductible, or other out-of-pocket expenses.
Specialty labs are typically not processed through insurance and may not be eligible for Insurance Correspondence Forms (“Superbills”). You are responsible for paying for specialty labs at the time of service. You can reference the lab brochure to determine if the lab payment might be eligible for insurance reimbursement. If the lab payment is eligible, PALM will provide you with information to submit to your insurance for possible reimbursement at the time of service.
INSURANCE CORRESPONDENCE FORMS (I.E. “SUPERBILLS”)
For certain services, we can provide Insurance Correspondence Forms, known as “Superbills.” The forms include the necessary diagnostic and treatment codes to submit to your insurance company for reimbursement. However, we cannot guarantee repayment even with the Superbill. Of note, if your visits are included in your membership program, we cannot provide you with an Insurance Correspondence Form (“Superbill”) for the individual service.
PALM will provide you with Superbills at the time of service. We will create or reprint the Superbills for approximately the last six months.
Please contact accountservices@palmhealth.com if you need assistance with Superbills. If you would like support from our administrative team for collecting from insurance, completing additional paperwork, or determining eligibility for your Superbills, additional fees may be applied. You will need to sign a form agreeing to these charges, which we will give you beforehand.
Historically, Medicare has not accepted Superbills and does not reimburse patients for them.
HSA (HEALTH SAVINGS ACCOUNT) AND FSA (FLEXIBLE SPENDING ACCOUNT) ACCOUNTS
In some cases, PALM’s fees may be paid for using your employer-based Health Savings Account (HSA) or Flexible Spending Account (FSA). Contact your health insurance representative for specific details on your HSA and FSA benefits coverage.
WORKERS’ COMPENSATION AND AUTOMOBILE ACCIDENTS
Established patients may be eligible for treatment for work-related injuries and automobile accidents; however, the patient is responsible for paying at the time of service for treatment of these injuries. The patient is responsible for working with their employer or insurance carrier for reimbursement.
WELLNESS SERVICES & COMPLEMENTARY THERAPIES
Wellness services and complementary therapies include but are not limited to chiropractic visits, acupuncture, intravenous (IV) nutrition, coaching, counseling, personal training, facials, and massage. You are responsible to PALM for payment in full for these services at the time of the visit.
CHOICE PACKS
PALM sells a variety of packages that allow members to purchase a bundle of services at a discounted rate and select specific services that best suit their individual needs from a predefined list of options, such as Choice Packs and Vitality Packs, among others offered from time to time (collectively, “Packs”). Purchase of Packs entitles you to the specific discounted services available on the menu at the time of use. These services are valid for one (1) year from the purchase date as long as you are enrolled in a membership program with PALM Health. Purchases of Packs are non-refundable.
MEMBERSHIP DUES
Membership dues and fees will be charged pursuant to the terms of the membership agreement.
PAST-DUE BALANCES
Payments of past-due balances must be made prior to a scheduled appointment. This includes past-due balances of membership fees.
MISSED APPOINTMENTS AND CANCELLATION FEES
Please see our Cancellation Policy for details on fees for missed appointments and canceled appointments.
RETURNED CHECKS
A returned check charge of $50 will be payable by cash or money order along with the fee for insufficient funds rendered by the bank.
MEDICAL RECORD COPIES
Charges for copies of medical records will be in accordance with state recommendations.
OUTSTANDING BALANCES
If previous arrangements have not been made with our Account Services Manager, any account balance outstanding over 90 days will be forwarded to a collection agency at PALM’s discretion.
