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Muldowney, Migliori, & Kobienia

Our Financial Policy

Insurance Related Services

It is the patient’s responsibility to know and understand their insurance plan; however, we work diligently with you and your insurance for payment of services. If you have insurance, we will contact them to verify your benefits prior to your surgery appointment. We encourage you to verify your benefits with your insurance carrier as well.  You should ask about the following items:

  • Deductible/and other out-of-pocket expenses
  • Physician and Hospital participation in your plan
  • Any pre-existing conditions that may not be covered
  • Is this procedure a covered benefit with your group
  • Referrals needed
  • Maximum benefits for surgical services

Upon request, we will provide you with an estimate of your patient portion for the physicians' services before your scheduled surgery based upon the best available information we have received from your insurance carrier.  If you have an estimated portion that is more than $250.00 we may require pre-payment of your estimated deductible/copay before the scheduled surgery date.   Any remaining balance after your insurance has paid is your responsibility. Your prompt remittance is appreciated.  A statement will be sent to the guarantor (patient or guardian financially responsible).

If we are not providers under your plan AND you do not have out-of-network benefits, the cost of surgery is due two weeks before your scheduled date.

In compliance with the guidelines established by the American Society of Plastic and Reconstructive Surgeons, it is our policy to require prepayment on all cosmetic surgeries.

We accept the following forms of payment:

  • Personal Check or Money Order
  • Cash, Certified Cashier check
  • Credit Cards: We accept Visa, MasterCard.
  • Insurance Assignment: We work with most insurance companies. We understand the value of insurance benefits and we will assist you in obtaining your MAXIMUM allowance.
  • Financing:   We do offer the following programs for your financing needs; please inquire with our business office if you have questions regarding these options.  Please be aware that the facility that you may be having surgery at may not accept these programs and you would need to make another form of payment to them.
    • Care Credit Financing

 If you have any questions regarding your physician’s bill or the information contained in this policy, please contact our business office at 952.925.1111.

Cancellation and Rescheduling Policy

We understand that a situation may arise that could force you to reschedule, postpone or cancel your surgery. Please understand that such changes affect not only your surgeon and staff, but other patients as well. We appreciate your courtesy.

Cancellation of a scheduled surgery must be done two (2) weeks prior to your surgery date. If you completely cancel your surgery more than 15 days in advance, we will refund all deposited monies except we will withhold a 5% service fee to cover banking fees.

If you cancel your scheduled surgery within three (3) business days of the scheduled surgery, 10% of the surgery fee will be forfeited.  If you cancel within 24 hours of the scheduled surgery, 25% of the surgery fee will be forfeited.