Insurance and Payments
At Tox Sisters, we know dealing with money and insurance isn’t anybody’s favorite part of staying healthy. Our goal is to keep things simple, honest, and upfront—like a good front-porch conversation.
Here is a plain-spoken overview of how we handle insurance, self-pay, and payments.
Insurance & Payments
Using Insurance
Every insurance plan is different, and they all speak their own language. Because of that, we always encourage you to:
- Call the number on the back of your insurance card before your visit.
- Ask if services with Tox Sisters, LLC are covered under your plan.
- Check what your copay, deductible, or coinsurance will be.
In-Network vs. Out-of-Network
- If we are in-network with your insurance, we’ll file the claim for you. You’ll be responsible for whatever your plan says you owe (copay, deductible, coinsurance).
- If we are out-of-network, you may still be able to use your benefits, but your out-of-pocket cost may be higher.
Just a friendly note: Even if your insurance says something is “covered,” that’s not a guarantee of payment. Your insurance company makes the final call.
Superbills & Reimbursement
If we’re not in network with your plan—or you prefer to handle things yourself—we can provide a superbill (a detailed receipt with all the info your insurance needs).
You can submit that to your insurance company and they may reimburse you directly, depending on your plan.
- Reimbursement is not guaranteed.
- Any reimbursement is strictly between you and your insurance company.
We’re glad to help you get the paperwork you need, but we can’t control how your insurance processes it.
Self-Pay / Cash-Pay Options
We gladly welcome folks who choose to pay directly for their visits.
- We offer transparent, upfront pricing for most services.
- Payment is due at the time of service.
- Certain labs, procedures, or specialized treatments may have additional costs.
If you’d like to know what to expect before you book, just give us a call—we’re happy to walk you through it so there are no surprises.
Ways You Can Pay
For your convenience, Tox Sisters accepts:
- Major credit and debit cards
- HSA/FSA cards (when allowed by your plan)
- Cash (if you want this, keep it)
- Contactless payments, when available
You may be asked to pay:
- A deposit or fee at the time of booking for certain services, and/or
- Your balance at check-in or check-out on the day of your visit.
Cancellations & No-Show Policy
When you book an appointment, we set that time aside just for you. That means we’ve turned away other patients who might have needed that spot.
To keep things fair for everyone:
- Please cancel or reschedule at least [X hours] before your appointment.
- Late cancellations or missed appointments may result in a cancellation/no-show fee that cannot be billed to insurance.
These fees are your responsibility and may need to be paid before we can schedule future visits.
Labs, Procedures & Extra Costs
Some services—like specialty lab work, injections, or procedures—may involve:
- Separate charges, and/or
- Outside labs or partner companies that bill you directly.
We will always do our best to prepare you for any extra costs ahead of time, but final amounts are determined by:
- Your insurance benefits, and
- Any outside providers involved in your care.
If you’re ever unsure, please ask. We’d much rather answer questions on the front end than have you surprised by a bill later.
Questions About a Bill?
If something on a statement doesn’t look right—or just doesn’t make sense—reach out:
- Call us at [Practice Phone Number]
- Or email [Billing Email Address]
If you can, have your date of service and insurance information handy so we can help you faster.
Policy Changes
Insurance rules and healthcare regulations change from time to time (whether we like it or not). Tox Sisters may update our financial and billing policies as needed.
The most current version will always be posted here on our website.
