Our Financial Policy:
Thank you for trusting Tareen Dermatology with your medical care. The Mission of Tareen Dermatology is to provide compassionate, state-of- the-art dermatologic care to each patient with an emphasis on early diagnosis, patient education, and comprehensive skin care.
We ask that you review our Financial Policy below that includes more information on your financial obligations when services are rendered to you. We look forward to seeing you!
Patient Responsibilities:
There are hundreds of health plans with which we work. Each plan is unique, and we cannot be responsible for knowing the details of each plan. It is your responsibility, as a subscriber and as a patient, to:
- Know if we are a participating provider with your specific plan.
- Know the requirements, limitations, Deductible, Co-Insurance and Co-Payments of your plan.
- Present your current insurance card at each visit.
- Pay any Co-Payments or outstanding balances at the time of service.
- Sign our consent form which allows us to treat you and bill your insurance.
- Obtain an insurance referral to our clinic if your plan requires one.
- Notify us of any address or insurance changes promptly.
- Contact your insurance company prior to your visit to clarify your covered benefits for dermatology services.
Patients with Insurance:
- We will collect your Co-Pay at every visit. If you are unwilling to pay your Co-Pay, you may be asked to reschedule your appointment.
- We will ask to see your insurance card. If you do not have your insurance card, your visit may be converted to Self-Pay, and you may be asked to pay for the visit on the date of service.
- We will bill your plan directly if we can verify your coverage.
- You may still have to pay a portion of the bill even with insurance coverage (Co-Payments, Co- Insurance and Deductibles).
- If you have an unpaid balance, we will ask you to pay this at the time of your appointment.
- If your insurance plan requires an insurance referral, it is your responsibility to obtain the referral prior to your visit. If you have not obtained the referral, we may need to reschedule your appointment, as your insurance company most likely will not pay for the visit. Patients will be asked to pay for their visit in full if a referral is needed but not obtained.
Patients without insurance:
- If you do not have insurance, or your insurance company does not cover your services, we will request payment in full on the date of service.
- A Good Faith Estimate may be provided to you prior to your visit.
- We will have you sign our Self-Pay form.
Cosmetic Services:
- Cosmetic services are not covered by insurance and must be paid in full at the time of service.
Laboratory Services:
- If you receive laboratory services, such as blood tests, Quest diagnostics will invoice your insurance company and you for their services.
Pathology Services:
- If you have a tissue biopsy done, you may receive a bill from Tareen Dermatology or an outside reference laboratory for pathology services. These invoices are separate from your office visit and procedure.
- Additional testing may need to be performed on your tissue to render a diagnosis.
- We may send your tissue out for a second opinion and your insurance will be billed for that directly.
- You are responsible to pay for any Co-Insurance, Co-Payments or Deductibles relating to pathology services.
Billing:
- You may receive a text message or email letting you know that your claim has been processed by insurance and that you have a balance to pay. You may take advantage of these convenient ways to pay your bill before receiving a statement in the mail. Your statement is also available for review on your patient portal. Statements are generated by our system monthly and full payment is due within 30 days of the statement date. If you are unable to pay your bill, please contact our Business Office immediately to make payment arrangements.
- You may receive a statement for your office visit and procedure before receiving a statement that includes any related pathology service charges.
- We accept check, credit cards and Care Credit.
- Secure online payments can be made at our website: tareendermatology.com
- Payment plans may be arranged with our Business Office: 651-633-6883. If your payment plan becomes delinquent, it may be referred to our collection agency. It is your responsibility to ensure that the payments are being made on time via the method you set up.
- You are ultimately responsible for all fees relating to your care.
- If you believe that your bill is not accurate, that a third party should pay the bill or if you have other concerns about your bill, please contact our business office to discuss the matter. We prefer to receive such notifications in writing. If you notify us of a billing error, or we otherwise determine that there is a billing error, we will review the bill and correct any billing errors found. While the review is being conducted, we will not bill you for the health treatment or services that are the subject of the review for potential billing errors. We may resume billing you for the health treatment and services that were reviewed for potential billing errors only after (a) the review is complete, (b) any billing errors are corrected and (c) a notice of completed review (as detailed below) is transmitted to you. If, after completing the review and correcting any billing errors, we determine that you overpaid us under the bill, we will refund the amount overpaid under the bill within 30 days of completing the review.
- Within 30 days of our determining or receiving notice that your bill may contain one or more billing errors, we will notify you (1) of the potential billing error; (2) that we will review the bill and correct any billing errors found; and (3) that while the review is being conducted, we will not bill you for any health treatment or service subject to review for potential billing errors. Within 30 days after we complete this review, we will (1) notify you that the review is complete, (2) explain in detail (a) how any identified billing errors were corrected, or (b) if applicable, why we did not modify the bill as requested, and (3) include applicable coding guidelines, references to health records, and other relevant information.
- We will send you statements identifying your remaining balance from time to time. If you are having difficulty paying your balance, we encourage you to contact our business office about your account. Our business office staff will help you with questions and concerns, and work with you on a payment plan and other reasonable options to help you pay your balance.
- We may use a collection agency or law firm in certain cases where the terms of a payment arrangement or terms of our billing and collection policy have not been met. If you have not paid the balance due within 90 days of the applicable statement date and have not made acceptable payment arrangements with our business office, or have not complied with agreed upon payment arrangements, we may refer your account to a collection agency or law firm. Your medical debt will not be reported by us to a consumer reporting agency or credit bureau.
- We review accounts periodically to confirm the status of any debts, and to identify uncollectible and satisfied debts. We will end collection activities once a debt is identified as satisfied or uncollectable, in accordance with our arrangement with the applicable collection agency or law firm. Our business office staff will provide updates regarding the status of your account upon your request.
- We will not deny medically necessary health treatment or services to you or any member of your family or household because of current or previous outstanding medical debt owed by you or any member of your family or household to us, regardless of whether the health treatment or service may be available from another health care provider. As a condition of providing medically necessary health treatment or services when you or any member of your family or household has current or previous outstanding medical debt to us, we may require you to enroll in a payment plan for the outstanding medical debt owed to us. The payment plan will take into account any information you disclose to us regarding your ability to pay. If you are unable to make all or part of the agreed-upon installment payments under any such payment plan, you must communicate your situation us and you must pay an amount you can afford. We may seek other legally permitted remedies in the event of your failure to abide by the payment plan terms.
- When collecting medical debt, we will comply with all applicable requirements of law (which may include the Minnesota Debt Fairness Act, the federal Fair Debt Collection Practices Act, HIPAA, and Minnesota state privacy laws).
- If you have any questions about this policy, billing or collections processes or to report all address/insurance/telephone number changes, please contact our Business Office at 651-633-6883.
READ BELOW IF YOU HAVE A HIGH DEDUCTIBLE PLAN (not Medicare or Medicare Advantage).
If your provider determines that skin biopsies need to be performed on you today:
Your provider will bill for the biopsy procedure itself, and there will be additional charges to have the pathology (slide preparation, any required staining and interpretation of the results by a Dermatopathologist). You will see one set of charges for the biopsies themselves, and another set of charges for the pathology. They will be separate charges and may be billed weeks apart. Biopsies and pathology charges are covered by most insurance plans. However, this is subject to your co-pays, co-insurance and deductibles.
Charges for the biopsy itself range from $180-$220 for each biopsy.
Charges for pathology for each biopsy range from $100- $600 depending on if additional testing is required.
If you are concerned about these costs, we can reschedule these when have had time to contact your insurance company and are comfortable that you understand what you will owe.
If you have a high deductible plan, you should plan on owing in the neighborhood of $280-$820 per biopsy if you have not met your deductible.
If you require surgery (excision or Mohs):
You will be charged for the surgical procedure (excision or Mohs), the suture repair (if needed) and pathology (if needed). For the surgical procedure, prices range from $1000-$2000. For the repair, prices range from $350-$1300. For the pathology, prices range from $100-$400 depending on if additional testing is required. We can provide the CPT codes to you if you would like to check with your insurance company regarding coverage. If you have a high deductible plan, you should contact your insurance company to understand what your patient responsibility will be.
If you have any questions about our Financial Policy, please do not hesitate to contact our Business Office at: 651-633-6883. If you have questions about your insurance policy and coverage, please call the number on the back of your insurance card.
Billing Inquiries:
We kindly ask that all billing inquiries be submitted in writing so that we can accurately track and document all communications. This helps us ensure that your concerns are addressed promptly and accurately.
By having billing inquiries in writing, we can maintain a detailed record of all patient interactions. This allows us to respond thoroughly and efficiently to your inquiries, ensuring that all necessary information is documented and addressed appropriately.
You can email our billing department at billing@tareendermatology.com with your billing inquiry, or, if you prefer, you can submit it through our patient portal on our website. We appreciate your cooperation in helping us provide you with the best possible service.
If you have any further questions or need assistance, please don’t hesitate to contact us. Thank you for choosing Tareen Dermatology and for trusting us with your care.
Other Questions:
If you have any questions about our Financial Policy, please do not hesitate to contact our Business Office at: 651-633-6883. If you have questions about your insurance policy and coverage, please call the number on the back of your insurance card.
Our Policies
We kindly ask that all billing inquiries be submitted in writing so that we can accurately track and document all communications. This helps us ensure that your concerns are addressed promptly and accurately.
By having billing inquiries in writing, we can maintain a detailed record of all patient interactions. This allows us to respond thoroughly and efficiently to your inquiries, ensuring that all necessary information is documented and addressed appropriately.
You can email our billing department at billing@tareendermatology.com with your billing inquiry, or, if you prefer, you can submit it through our patient portal on our website. We appreciate your cooperation in helping us provide you with the best possible service.
If you have any further questions or need assistance, please don’t hesitate to contact us. Thank you for choosing Tareen Dermatology and for trusting us with your care.