Financial Policy

Anjali Choudhary LLC Financial Policy

Financial Policy as described below is to help you understand your responsibilities regarding charges incurred for services provided in our office.


Please have a current insurance card with you at your visit. Any patient co-payments, past balances and out of network charges are due at the time of service. If your insurance is not active or you are not using insurance for the visit, we require that you pay in full at the time of service.

Many insurance plans now only cover a portion of the cost of care, transferring costs to patients as coinsurances and deductibles. We ask that patients with out of state plans, deductibles,
travel visits and other uncovered services to leave an active credit card on file for the patient responsibility portion of the bill, as outlined on your Explanation of Benefits (EOB). The information is held securely in our office. You will be notified if your credit card is charged.

In providing your credit card and signature, you authorize payment by credit card services determined to be your responsibility (including but not limited to co-pays, co-insurance, deductibles and other uncovered services such as vaccines).

Statements are available on the Patient Portal. Paper statements can be provided upon request. Payments can be made via Cash, Cheque or Credit Cards

Unpaid balance over 90 days may be sent to Collection agency. You agree to reimburse us the fees of any collection agency, which may be based on a percentage at a maximum of 35% of the debt. If your account is placed in collections, we reserve the right to discontinue our services.

We recommend you contact your insurance carrier prior to our Office visit and inquire about the type of benefits you have. We take many different insurance plans, all with different policies. It
is your responsibility to know what services are covered under your plan. Once a claim has been submitted to your insurance, the office will not change the coding.

Preventative and Problem focused exams

A preventative physical exam is when a patient is seen for a comprehensive visit that includes: a full review of past medical/social/family history/medications/allergies, a complete physical
exam, orders for age/gender appropriate screening tests/immunizations, and counseling on risk reduction. A physical can also help identify potential health problems in the early stages when
they are easier and less costly to treat; the exam is prevention focused, not problem focused. We recommend a physical every year and require if prescribing medications, ordering tests or making recommendations/referrals.

A Problem focused exam is one where a patient has a specific concern, symptom, complaint, or other medical diagnosis that needs follow-up. This is billed separately from a preventative
service. Given the comprehensive nature of a physical, problem-focused visits are booked and billed separately and may be applied toward your deductible and co-insurance. If you have
problems to address during a physical; we will ask you to follow-up or bill in additional to the physical. If your provider feels that the majority of the time was spent with medical concerns,
the entire visit may be considered a medical treatment visit and billed as problem focused.

Laboratory Bills

Blood tests and cultures are ordered as medically indicated and sent to an outside laboratory with appropriate coding. You may receive a separate bill from the lab that is separate and in
addition to any bills from our office. Any questions related to laboratory bills cannot be answered by this office and will need to be directed to the lab or your insurance company.

Additional Fees

Missed appointment

The office requires 24hr business day notice when cancelling an appointment. Monday appointments require Friday notification. Failure to provide this notice may result in a charge of $35.00. More than 3 missed appointments may result in termination from the practice

Bank charges

You are responsible for any charges associated with checks not honored by our bank.