Credit Card On File Policy

Our office require a credit card on file.  This will be used to process your portion of the bill once your insurance has processed your claim and leads to a dramatically more efficient billing process that most patients find convenient.  The way this works is:

  1. Once your insurance company has paid their portion of your bill, they should send you an Explanation of Benefits (EOB) that outlines our charges for the services you have received, the contracted rate that you receive through your insurance, the amount your insurance company has paid, and the balance that your insurance company has determined is due to Miller Family Dermatology.
  2. After your insurance has processed the claim, we will send you a statement for any outstanding balance (patient portion).
  3. This balance will be charged to your credit card 2 weeks after the date of the statement.
  4. Prior to that 2 week deadline, you can send a check or make a payment online with a different card (Many people will pay online using their HSA card)
  5. We will contact you if your card does not process for any reason.

For example:

  1. You come in for an office visit on July 1st.
  2. Your insurance company processes the claim on July 28th and sends you an EOB showing that your portion of the visit is $37.
  3. We receive payment from your insurance company on July 29th and send you a statement for $37.
  4. The statement will say that your credit card on file will be charged 14 days from the date of the statement.  July 29th + 14 days = August 26th.
  5. On August 26th your credit card will be charged $37 for your portion of the visit.  If you wanted to pay a different way, you can mail a check, pay cash in person, or make a payment online with a different card (different credit card, a debit card, or an HSA card) prior to August 26th.

This in no way compromises your ability to question your insurance company.

This in no way compromises your ability to dispute charges to your credit card.

Once entered, the credit card number is encrypted and we do not have access to the full card number.