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 August 1, 2017
Due to the recent changes in healthcare reimbursement and the trend towards high deductible insurance plans, we will now be requiring all patients to leave a credit card on file with the practice.

 We will be using Credit Card Plus through Athena Healthcare for processing all balances, they provide secure processing of all of our current credit card transactions.

Patients will be asked to sign a Card on File Agreement upon check in. There are two possible options for the agreements one will be valid for one year and an annual maximum of $1500.00 and the second a one-time agreement with a visit maximum of $300.00 which would need to be renewed at subsequent visits. You must be present to sign the agreement and have the credit card swiped.

Patients will be notified by email of pending charges 5 days before the credit card is charged.  If there are any questions regarding the balance patients must contact Andover Dermatology while the charge is pending. The patient will also receive an e-mailed receipt once the charge is processed.  Patients who have signed up for the portal can review all their receipts indefinitely.

If you have any questions regarding this policy or need to set up an alternative payment plan please contact the Billing Office or our Office Manager, Jo-Anne, at 978-475-4322.