Embedded Files
For new patients we require our intake form to be filled out prior to being seen. Our privacy notice is also included below.
We use Carepatron and our patients have access to a secure online portal where results are shared and secure messaging are able to be sent to Dr. Cober. If it is your first time logging in, simply register an account for free using your email address (which should match what we have on file).
Payment
Payment
We require payment prior to services being rendered. Surgery fees must be paid at least 24 hours in advance.
Appointment fees (out-of-pocket) vary based on insurance plan or self-pay status and will be disclosed prior to the appointment.
Surgery fees will be disclosed prior to surgery and are due prior to the procedure day. Post-operative visits are included in the surgery cost and there are no additional appointment fees for the 90 days following a procedure.
All prices posted and quoted are cash-prices. Payments can be made by the following methods:
Check payable to "Meshach Cober MD" which may be mailed to: 658 W Indiantown Rd, Suite 212, Jupiter, FL 33458 (check must clear prior to service, treated as cash)
Zelle: coberhealth@gmail.com (recommended, treated as cash)
Credit/debit card via the Square payment button:
Our credit card prices are 4% higher than our cash prices.Financing via Cherry button:
Our financing prices may be higher than our cash prices.
Prices & Refunds
Prices & Refunds
We offer multiple pricing levels. All prices quoted are cash-prices. We do our best to keep prices fair and reasonable.
Cash payments:
- Options: cash, cleared check, Zelle.
- Eligible for full refunds.
Credit card payments:
- Prices are 4% over cash-prices.
- Eligible for 96% refunds.
Financing payments:
- Eligible for 84% or more refunds.
To be eligible for a refund, a service should be cancelled with at least 24 hours' notice. We do not guarantee refunds but will make every reasonable effort to offer refunds for cancelled services.
Insurance Payment Policies
Insurance Payment Policies
Due to the complexities involving the insurance-payor model unique to the United States, healthcare pricing and payments can be very confusing. We do our best to simplify this process and make it fair.
Pricing transparency: We do our best to collect patients' out-of-pocket responsibilities upfront. We do this by having to predict what the insurance company will pay us ahead of time. Though this is many times a very difficult task, this has the benefit of patients knowing fees upfront.
Due to complex insurance policies sometimes we mistakenly undercharge patients. In these cases, we may send patients bills after insurance has processed claims. But if we did not correctly identify the amount due prior, and if the amount due is significant, our practice's business ethics policy allows patients to let us know of financial hardship as they were unaware of the final amount due. We do not send these bills to collections but rather write them off as business losses.
As a general guideline, we use the Medicare Physician Fee Schedule as a benchmark of what would be a reasonable expected amount due for any given service.Medicare: The Medicare Physician Fee Schedule has a standard set of prices for various medical services. In general these prices are on the low end in terms of off-setting the costs associated with running a medical practice. We expect Medicare patients to honor outstanding dues as these amounts are set by CMS, a federal government agency, and are related to Medicare deductibles and co-insurance, which, compared to private insurance plans, are much more transparent to the patient and general public.
Unpaid bills: If we have an outstanding balance that is fair and reasonable and that we have not written off, we may excuse ourselves from provide any ongoing services related to non-urgent or medically non-essential matters. Though most patients pay their balances in a timely fashion, we unfortunately have a notable percentage of patients who do not pay after a service is rendered. Per our ethical policy, we will always "close the loop" with patients and other doctors on urgent or significant medical conditions. But for routine issues, we may not work on behalf of the patient until the balance is paid. Records can always be requested from our office or the administering lab or facility where services were rendered. We are a small medical practice, and rely on receiving payments for services rendered to cover our operating expenses.
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