Surgery Cost

For most insurance plans, you will pay the same with us as you would with a local in-network provider

Use one of the buttons below to give us the information we need to provide you with your out-of-pocket due with us.

Insurance Billing Information

When a surgery is performed, the patient is charged for the following:

Professional fee -- this is the surgeon's fee -- this pays for the surgeon's overhead expenses such as running the office and includes employee salaries, rent and medical legal coverage.
Facility fee -- this is the facility's fee -- this pays for the facility's expenses such as salaries, equipment costs, building costs, and medical legal coverage.
Anesthesia fee -- this is the anesthesiology group's fee -- this pays for the anesthesia group's expenses, such as salaries of doctors and billers, and medical legal coverage.
Pathologist professional fee -- if a specimen is taken, a pathologist reviews the specimens and provides a diagnosis. This fee covers the expenses of the pathology group which includes salaries of doctors and staff, medical and laboratory equipment, and medical legal coverage.

No Surprises Act

In the past, patients would sometimes receive unexpected enormous medical bills if the facility and anesthesia group were out of network. In general, if patients see an out-of-network surgeon, the surgeon's office will bill the patient upfront, because it is often very hard for a medical practice to collect payment after services are rendered -- approximately 40% of people do not pay or answer phone calls.

Starting in 2022, the No Surprises Act was put in effect, which protects patients from being billed at higher than in-network rates for services rendered at in-network facilities.

Insurance, by design of the insurance companies, is complicated and confusing. We do our best to simplify the process.

Key Takeaways for Patients

Perform procedures at an in-network facility. We assist in selecting an in-network facility. Click here for information of our facilities and their insurance network status.
The facility will provide you with a quote for your out-of-pocket due prior to the procedure -- this will be related to your insurance plan's surgery benefit at an ambulatory surgery center deductible and co-insurance. We can obtain this out-of-pocket amount from the center for you.
You will receive a quote from our office for your out-of-pocket due prior to the procedure.
For many insurance plans, you will pay the same with us as you would with a local in-network provider. Click here to provide us with your insurance information so we can advise you about this.
Anesthesia will be billed at in-network rates -- to receive a quote for this you would have to contact your insurance plan directly and you can use the insurance codes we provide detailing the type of procedure performed.

Use one of the buttons below to give us the information we need to provide you with your out-of-pocket due with us.

Billing Policies in our Practice

We have two fee scheduels: one for cash-pay patients, and one for insurance. The insurance fee is higher and accounts for the extra staffing costs required to obtain payment from insurance companies.
For self-pay patients, pricing is simple and straight-forward. We provide our professional fee upfront which is due prior to the procedure. Our facility and anesthesia providers similarly provide upfront pricing. We do offer financing.
For patients with insurance:
1. We determine if your particular insurance plan is one where our biller can negotiate with the insurance company so you will pay at in-network levels. If this is the case, we do not bill you upfront. After your insurance processes the claim, you may or may not owe us based on your deductible and plan specifics. Many patients end up owing us nothing, and others may owe us a copay on the order of a few hundred dollars -- this is the same amount that would be due at any other in-network provider's office.
2. If your insurance plan is one where our biller is unable to negotiate with the insurance company and you have out-of-network benefits, we will calculate how much we expect the insurance company to pay, and will bill you the appropriate amount upfront. If insurance companies do not pay, per our policy, we will not send bills to patients higher than our self-pay rates as that is unfair from the patient's perspective -- we absorb the loss of the extra costs of submitting claims.
  - If your plan has no out-of-network benefits, we will bill you upfront our fee out-of-pocket and can offer the self-pay rate.
3. Discounts are available for veterans.
4. If you receive a bill from us after a service is rendered, and paying is impossible or would cause undue financial strain we do have these options:
  - Utilize our financing services through Cherry to come up with no-interest or low-interest payment plans.
  - Apply for Charity Care -- we partner with local churches who can help cover our operating expenses for patients in financial-difficulties and then we write-off the rest as business losses.

Payment Policies

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 Square:
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 Policies

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.

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