Family Practice of West Volusia
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Facts Regarding Insurance Assignment

Our office is pleased to accept your insurance assignment. We offer this service as a " courtesy" to patients. It must be clearly understood, however, that the "contract" is between the patient and the insurance company, the account thereby being the responsibility of the patient for any amount not paid by the insurance company.

  1. Your insurance is a policy that you or your employer have purchased from an insurance company. Every policy is different and our experience is that the vast majority will cover a percentage of our fees. We are a third party in this arrangement.

  2. Many plans state that office visits are covered "at 50%, 80% or 100%". Be aware that the benefits your plan pays is based on the insurance companies usual & customary fees. The benefits your plan pays is largely determined by how much your employer/union paid for the plan.

  3. Insurance companies established "Usual & Customary" fee schedules may or may not have an accurate relationship to what usual and customary fees actually are for a given area. It has been our experience that some insurance companies tell their insured that "fees are above the usual and customary fees" - rather than saying to them "our benefits are low". This may be so because there are various ways and calculations by which the company established their usual and customary fees. Therefore, it is possible that different insurance companies will have different allowable fees for the same geographical area. The physician's fees may be within one company's but not within another company's "usual and customary" range. Remember, you only get back what your employer/union puts in, less the profit for the insurance company.

  4. We require our patients to sign "Authorization to Pay The Doctor" form (or any other necessary documents required by your insurance company). By doing so, the insurance company will make payments directly to our office. The patient will pay the co-payment (the amount not covered by the insurance company) as agreed upon on the financial policy. For those patients with dual insurance, we will file the secondary insurance after receiving payment from the primary insurance.

  5. Our office does NOT guarantee that the patient's insurance company will pay. We will perform our routine insurance billing procedures upon verification of coverage. If for some reason, however, the patient's insurance claim is denied, the patient is then considered to be responsible for the full amount of the bill.

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Family Practice of West Volusia, P.A.
Phone: 386 - 740 - 7080
Dr. Bruce G. Rankin, D.O., CPI, FACOFP.
Mary T. Izzo, ARNP, Ph.D.  •  Casey V. Wilson, P.A.-C.
Stephanie Stovall, P.A.-C.  •  Deborah Darnell, ARNP-C, DNP

Serving the West Volusia area including Deltona and DeBary with offices in DeLand and Orange City

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