Each year, health insurance deductibles reset. This means you will again have to meet your
predetermined monetary responsibility before your insurance will pay to pay for your health
care. Effective January 1,2023, Chatterbox will be implementing a deductible program. The
plan choices for this program are as follows:

PLAN #1:
Families can elect to pay their deductible in full. A credit will be created on the patient’s account. Each time a claim is
processed the amount applied to patient responsibility will be deducted from the credit. Once claims process and no
longer apply any patient responsibility towards the deductible, the credit will then be applied to coinsurance until the
out of pocket is met. If a credit remains on the patient’s account after deductible and out of pocket max has been met,
a refund will be issued.

PLAN #2:
Families can pay the estimated amount that insurance will apply toward their deductible based on allowed rates at each
visit. For example, the visit charge is $150. Insurance processes the claim and allows only $70. There is an adjustment of
$80 and the patient responsibility is $70. This option requires that a card be placed on file and run automatically upon
check in for the estimated patient responsibility OR an automatic payment set up through BB&T.

Plan #3:
Families with large deductibles can elect to pay less than what their insurance requires them at time of service with the
expectation that the full amount will be paid once the claim is processed. This requires an automatic payment to be set
up through BB&T. The minimum payment will be $50 per tx.

What does this look like? Here is an example:
Patient x is seen twice per week for ST services. An automatic payment of $100 is ran ($50 for each tx). Insurance
processes the claims and a balance of $140 ($70 per claim) is applied to the patient’s responsibility. A payment of $100
has already been made for the week, leaving $40 to be paid. This means that the following week an automatic payment
of $100 will be made AND the patient must pay the remaining balance of $40 at check in/out.