Insurance & Billing

We Accept Most Insurance Carriers

Please have your card with you at the time of your visit. If we file your claim, you are responsible for only the co-pay at the time of the visit. If we are not a provider for your insurance, if you are not insured, or we do not file with your insurance company, you may be responsible for the entire charge at the time of the service.

Financial Policy

Effective: July 1, 2025

At All for Kids Pediatric Clinic, we are committed to providing the highest quality care. We understand that navigating insurance coverage can be complex, and this policy outlines our procedures for services that are not covered by your insurance plan.

Our Commitment to Transparency:

We believe in open and honest communication regarding the cost of your child's care. We will make every effort to inform you in advance if a service is likely not to be covered by your insurance.

Understanding Your Insurance Coverage:

It is ultimately the patient's (or legal guardian's) responsibility to understand their insurance benefits, including what services are covered, what is subject to deductibles, co-payments, or co-insurance, and what services are specifically excluded from coverage. We encourage you to contact your insurance provider directly for detailed information about your plan.

Services Not Covered by Insurance (Non-Covered Services):

Certain services may not be covered by your insurance plan. These "non-covered services" typically include, but are not limited to:

• Well-child visits or physicals performed more frequently than your insurance allows within a specific timeframe. (e.g., annual physical exams if your plan only covers one per year).
• Non-Preventive services discussed during well-child visit.
• Forms completion: FMLA forms, disability forms, or other forms as the practice deems necessary. This will be communicated up front prior to form completion.
• Cosmetic procedures or procedures deemed not medically necessary by your insurance.
• "No-show" fees or late cancellation fees (as outlined in our appointment policy).
• Copies of medical records (fees as per state regulations and our separate records policy).
• Certain specialized tests or procedures that your insurance considers not medically necessary.

Payment for Non-Covered Services:

For all services explicitly identified as non-covered by your insurance, payment is required at the time of service.

 

Payment Methods:

We accept the following forms of payment:

• Cash
• Credit Cards (Visa, Mastercard, American Express, Discover)
• Debit Cards
• Health Savings Accounts (HSA) cards
• Flexible Spending Accounts (FSA) cards

Payment Plans for Non-Covered Services:

In limited circumstances, and on a case-by-case basis, payment plans may be available for significant non-covered services. These arrangements must be made and approved by our billing department at the time of service. Please speak with our billing specialist to discuss this option.

• The minimum down payment for a payment plan is 25% of the total owed, not to be less than $25.
• The minimum monthly payment is $25.
• The maximum term of a payment plan is six months.
• All for Kids requires a credit card placed on file for payment plans.
• If a payment goes into default after 30 days, the entire balance becomes due, the credit card on file will be charged, and the payment plan is cancelled.

 

Outstanding Balances for Non-Covered Services:

• Outstanding balances for non-covered services not paid at the time of service will be billed to the guarantor directly.
• Payments not made within 90 days will be routed to our collections partner.
• Unpaid balances may be subject to a late payment fee of 1.5% of the balance per month.
• Accounts with delinquent balances may be referred to a collection agency, and you will be responsible for any additional collection fees incurred.
• Patients with significant outstanding balances may be asked to pay their balance in full before scheduling future non-urgent appointments.

Questions and Concerns:

We encourage you to ask questions if you are unsure about your insurance coverage or our payment policies. Please do not hesitate to speak with our front desk staff or billing department prior to your child's appointment.