Financial Policy

We deliver the finest care at the most reasonable cost to our patients, therefore payment is due at the time service is rendered.  For your convenience, we accept Visa, MasterCard, Discover and American Express and Care Credit. If you have questions or concerns regarding our fees or the status of your account, please contact us at 978-534-8300 or 978-632-7270.

• Insurance laws require us to establish a set fee schedule that is charged to all persons regardless of their insurance status.  To do otherwise would be considered insurance fraud and is illegal.  Our policy is to obey the law.  Please do not ask us to discount your fee or to write off any portion of the charge that is not mandated by your insurance plan.
• We accept most forms of insurance and in most cases can process the claim with your insurance carrier.  The range of benefits depends solely on what your employer wishes to offer his/her employees.  Some plans may cover as little as 30% or as much as 100% of our services, with most falling in the 50% to 80% range.
• If you provide us with complete insurance billing information, and assign your benefits to our office, we will submit an insurance claim for you on the day of surgery.  We will ask you for a co-payment on that day.   The co-payment is calculated as a minimum of 25% of the total charge plus full payment for any non-covered services.   After we have received payment from the insurance company, we will send you a bill for the balance or a refund check if the insurance payment is larger than anticipated.
• Please be aware that you are ultimately responsible for payment of your account, regardless of your insurance status.  Your prompt payment will be expected for any charges that are rejected by your insurance and for balances that remain after insurance payment is made.
• HMO, co-payments are due at the time of your visit.
• We will be happy to provide you with a written estimate of our fee for any procedure or surgery that you may require.

When time permits, we will submit a pre-treatment estimate to your insurance company to obtain an estimate of coverage in writing before treatment begins.