Insurances

We accept most major insurance carriers.  A partial list is provided below, but please call us if you have any questions or would like to pre-auth (pre authorize) a treatment option or to verify your coverage prior to your visit.   You can also get coverage verification by contacting your insurance company.

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Live Oak Medical Associates Insurance Policies

All of our physicians admit to Gulf Breeze Hospital.

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Thank you for choosing us as your primary care provider. Our practice consists of three Family Practitioners, an Internist, a Physician’s Assistant and a Nurse Practitioner. We provide both outpatient and inpatient care. We admit to Gulf Breeze Hospital only. We treat patients
of all ages and provide the full continuum of health care including health promotion. To help your visit run smoothly, please read the following information about our office policies.

Please review our policy, ask us any questions you may have, and sign in the space provided. A copy will be provided to you upon request. Please note that payment is expected at the time services are rendered.

1. Insurance.

We participate in most insurance plans, including Medicare. If you are not insured by a plan with which we have a contract, payment in full is expected at each visit. If you are insured by a plan we do have a contract with, but don’t have an up-to-date insurance card, payment in full for each visit is required until we can verify your coverage. Knowing your insurance benefits is your responsibility. Please contact your insurance company with any questions you may have regarding your coverage.

2. Co-payments.

All co-payments must be paid at the time of service. This arrangement is part of your contract with your insurance company. Failure on our part to collect co-payments from patients is a violation of our contracts.

3. Non-covered services.

Please be aware that some – and perhaps all – of the services you receive may not be covered or not considered reasonable or necessary by Medicare or other insurers. You must pay for these services in full at the time of visit.

4. Proof of insurance.

All patients must complete our patient information form before seeing the doctor. We must obtain a copy of your driver’s license and current valid insurance to provide proof of insurance. If you fail to provide us with the correct insurance information, you will be responsible for your bill.

5. Claims submission.

We will submit your claims to your insurance company and assist you to help get your claims paid. Your insurance company may need you to supply certain information directly. It is your responsibility to comply with their request. Any portion of your bill not paid by your insurance company is your responsibility.

6. Coverage changes.

If your insurance changes, please notify us before your next visit so we can make the appropriate changes to help you receive your maximum benefits.

7. Nonpayment.

If your account is over 90 days past due, you will receive a letter stating that you have 20 days to pay your account in full. Partial payments will not be accepted unless otherwise negotiated. Please be aware that if a balance remains unpaid, we may refer your account to a collection agency and you and your immediate family members may be discharged from this practice. If this is to occur, you will be notified by regular or certified mail that you have 30 days to find alternative medical care. During that 30-day period, we will only be able to treat you on an emergency basis.

Our practice is committed to providing the best treatment to our patients. Our prices are representative of the usual and customary charges for our area.

Thank you for understanding our payment policy. Please let us know if you have any questions or concerns.

Regards,

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