Doctor’s Park II, 138 Haverhill Street, Suite 200, Andover, MA 01810 | Phone: 978-475-4322
Salem Professional Park, 29 Stiles Road, Suite 303, Salem, NH 03079 | Phone: 603-893-3030

financial policies

Insurances:
We accept many insurances in our office, including: Aetna, Blue Cross and Blue Shield, Fallon, Harvard Pilgrim, Medicare, Tufts and United HealthCare.  Each of these insurances have multiple products and plans.  In addition many primary care physicians have networks from which they need to work.  Therefore it is the patient’s responsibility to verify if we participate with their specific insurance.  If you need assistance our billing office is available to assist you. Insurances which are HMOs require referrals from your Primary Care Physician.  It is your responsibility to obtain the referral prior to your appointment.

Co-payments are expected to be paid at the time of service. We will bill non-cosmetic office visits and procedures to our contracted insurances and then bill you for any balance that is due. We expect that all balances will be paid within 30 days. Many insurance plans have large deductibles or coinsurances.  These balances will be your responsibility.  Our billing staff handles all billing and is available to assist you with questions and payment options.

Payment for any non-covered or cosmetic services is expected at the time of service.

We accept cash, checks and major credit cards (Visa, MasterCard, Discover and American Express) for your convenience.


Card on File Policy
Effective March 1, 2017
Due to the recent changes in healthcare and the trend towards high deductible plans, we will now be requiring all new patients to leave a credit card on file with the practice. We use Credit Card Plus through Athena Healthcare for processing all of our unpaid balance, they provide secure processing of all of our credit card transactions. Anyone who is unable to leave a credit card on file may leave a cash deposit of $150.00

Patients will be notified of any balance due after insurance processing. Any balance which remains unpaid after 90 days will be charged to the credit card on file. 

Andover Dermatology also reserves the right to apply this policy to existing patients as the practice deems necessary.

If you have any questions regarding this policy or need to make payment arrangements please contact the Billing Office or our Office Manager by calling the office at 978-475-4322.