Billing & Insurance

Your insurance contract is an agreement between you and your insurance carrier. VPFW participates with most major insurance carriers. As a service to you, we will file your claims with your insurance carrier.

As required by insurance carriers, you are responsible for the payment of deductibles, co-payments and non-covered services at the time of your office visits. For your convenience, we accept cash, check, and all major credit cards for payment.

You will receive separate bills from all providers of services, including laboratory, x-ray, pathology, anesthesia and the hospital. VPFW charges a fee for the completion of medical forms, such as medical disability, insurance underwriting applications, and life insurance applications. If you have any questions or concerns regarding bills from other providers, please contact your insurance carrier.

Obstetrical Care

Global fees for obstetrical care include routine prenatal care, vaginal delivery and postpartum visit(s). Additional fees are charged for diagnostic services such as lab tests and ultrasound examinations, as well as newborn circumcisions.

Uninsured/Financial Difficulty

If you are uninsured or experiencing financial difficulty, please call one of our Patient Account Representatives at (804) 897-2100 for cost estimates and to discuss possible financial arrangements.

Insurance

Please bring your insurance card to each office visit. As a courtesy to you, we will file claims associated with participating insurance plans. You will receive separate bills from all providers of outside services, including laboratory, x-ray, pathology, anesthesia and the hospital. It is your responsibility to pay any deductibles, co-insurance and/or non-covered services associated with your specific insurance plan. Medicaid Plan First patients have limited benefits and will be required to make a deposit of $160 prior to services being rendered. You will receive a statement from our office indicating what your insurance has covered and the remaining patient account balance. All balances are payable upon receipt. You are responsible for informing VPFW of changes in insurance coverage within 30 days from the date of service, or you may be responsible for any charges incurred due to delay in timely submission of your claims.

Payment at Time of Services

You will be required to pay the estimated cost of services (including copays, additional procedures, and ultrasounds) at time of service. Financial arrangements must be made prior to services if you are unable to pay the balance in full. Self-pay patients are expected to pay their balance in full at the time of service. If the insurance payments and the amount of your payment exceed the amount owed for services, the difference will be refunded back to you.

Individualized Payment Plans

Surgical and prenatal patients will be required to make separate payment arrangements based on our OB and surgical policies prior to services being rendered. If you are a surgical or OB patient, VPFW will verify insurance coverage and prepare estimated costs of services as a courtesy to you.

Canceled Appointments

If you are unable to keep your scheduled appointment, please contact our office at least 24 hours prior to the scheduled appointment time to reschedule. If you do not notify us prior to missing a scheduled appointment, you will be considered a “no-show” patient and a $25 charge will be added to your account. New appointments cannot be scheduled until this charge is paid in full.

Referrals

Your participating insurance carrier may require that you obtain a referral from your Primary Care Physician (PCP) prior to receiving services. Please bring that referral to your scheduled appointment. Any services received without a referral will be the responsibility of the patient.

Declined or Returned Payments

A $40 charge will be applied to your account for any checks rejected by the bank for any reason. If a pre-arranged credit card payment plan is established and a payment declines, you may be charged $25 per declined transaction. Please ensure that there are sufficient funds on the stored credit card to cover these payments prior to setting up payment arrangements and contact our office immediately with any changes regarding your stored card. Additional fees may be charged by your financial institution.