Office Policy

Our Office Policy

Financial Responsibility

All professional services not covered by insurance are charged to the Patient and are due at the time of service. All co-pays are due and payable at the time or service. Please contact our business office to make other arrangements if necessary. All necessary forms will be required to be completed for insurance carrier payments. We participate with most insurance but it is the patient’s responsibility to determine if our office participates with your insurance company and/or policy. It is the responsibility of the patient to obtain a current and valid referral from their PCP prior to being seen.

Missed Appointments

It is our policy to charge $50.00 for a missed appointment not cancelled within 24-hours of your appointment time. A second missed appointment within a 12-month period will be assessed a $75.00 fee and possible refusal of future appointments. These fees are the patient’s responsibility and insurance will not pay these charges.

Non-Covered Services

Please be aware that some, and perhaps all services provided, may not be covered by your insurance. Services not covered by your insurance are the Patient’s responsibility.


If your account becomes 90 days overdue, you will receive a final bill to be payable in full within 10 days. Failure to pay will result in being discharged from Katherine J. Frachetti MD., PC., and further collection activity may be pursued. Additional charges for collection may be applied as local laws allows. Please be advised that you are the patient and ultimately responsible for any charges with Katherine J Frachetti MD, PC. Unpaid balances may be reported on your credit report as local and state laws allow.

Co-Payments, Co-Insurances and Deductibles and Proof of Insurance

We require a copy of your insurance card and your license, along with your co-pay or deductible payment at the time of service. As of August 1, 2009 the Federal Trade Commission passed the law that all Health Care Providers receive a copy of photo identification from all patients who will be using their Health Insurance to pay for their examination, in an effort to reduce insurance fraud. To remain compliant with this law, Katherine J. Frachetti MD.. PC., will ask all patients for their driver license for entry it into their charts. By law, a photo ID must be attached to your chart. There will be a $5.00 service charge for any co-pay not paid at the time of service.

For any high-deductible insurance plans or self-pay patients, we require a $75.00 payment at the time of service. Remaining co-insurance or deductible payments will be billed directly to the Patient after insurance has processed the claim for services rendered. Balances are due in-full within 30 days.

Change of Insurance

It is the Patient’s responsibility to notify this office if there is an insurance change. Failure to notify us within 30 days of a visit will result in the Patient becoming responsible for all incurred charges.

Returned Checks

If payment is made by check and is returned to the office as non-payable for any reason, we reserve the right to charge your bank fees of, at a minimum, $35.00. This will result is future visits being payable by CASH or CREDIT only.


If you require any forms to be filled out by our office you will be charged a fee of $20.00 payable at the time of pickup or before delivery of the forms. This applies to, but is not limited to, Disability, FMLA, work and others.