This Financial Policy is provided with and forms part of Eclosion Health, PLLC's Patient Agreement and Consent. It explains payment, travel charges, cancellations, refunds, and billing rights. Fees and any applicable travel charges are communicated and accepted before an appointment is confirmed or you agree to additional care.
1. Direct Pay and Fees
Eclosion is a direct-pay practice. You pay Eclosion directly for its services. Eclosion does not participate in commercial health insurance networks and generally does not submit commercial insurance claims on your behalf. Applicable law, insurance contracts, and government-program requirements control where they apply.
Fees are provided through Eclosion's fee schedule or an individual quote before you incur them. The price disclosed and accepted when your appointment is confirmed applies to the agreed service. Any change in the planned service or its charges is explained and accepted before additional care is provided.
The initial consultation carries its own disclosed fee, which is separate from any procedure fee and is not credited toward it. No credit or additional procedure is automatic.
2. Optional Travel Charges
A travel charge may apply to a house call or other in-person visit. Its applicability and amount will be communicated and accepted before the appointment is confirmed. Travel charges may be introduced or adjusted for future appointments under this policy without changing charges already accepted. If no travel charge was disclosed and accepted before scheduling, none applies.
A disclosed travel charge applies only if travel actually occurs. It may apply to a visit attempt that cannot proceed because access cannot be obtained or because of a condition at the location within your control, as addressed in the mobile-visit provisions of the Patient Agreement and Consent. No travel charge applies when Eclosion cancels for its own reasons or care cannot proceed for a clinical or safety reason not attributable to you.
3. Payment Timing and Arrangements
You may pay before the visit, during the visit, or within 14 calendar days after the visit. Payment before a visit is optional unless you separately agree to a different arrangement. Any deposit or different payment terms must be disclosed and accepted beforehand. Unless another arrangement is agreed, the remaining balance is due 14 calendar days after the service.
Accepted payment methods are stated when the appointment is confirmed. Eclosion may adjust or waive charges, offer discounts or credits, extend payment deadlines, or agree to individual payment arrangements, subject to applicable law. These arrangements are documented in the billing record or written communications and do not require a separately signed amendment to this policy.
After an agreed payment deadline passes, Eclosion may decline to schedule further nonurgent services while a balance remains unpaid, subject to clinical safety and the continuity-of-care provisions of the Patient Agreement and Consent. Raising a billing question does not itself affect your care.
4. Cancellation, Rescheduling, and Missed Visits
Please give at least 48 hours' notice if you need to cancel or reschedule a telehealth, house-call, or host-office appointment. This is a courtesy request so Eclosion can manage physician time, preparation, and travel. Eclosion currently does not charge cancellation, rescheduling, or missed-visit fees, including when circumstances change or you change your mind about care.
Notify Eclosion by calling or texting (813) 388-8328 or emailing info@eclosionhealth.com. Notice is measured from when your message reaches Eclosion's designated telephone or email account; you do not need to wait for a reply for the notice to count.
Any future cancellation or missed-visit charge will be disclosed and accepted before it applies to a future reservation. It will not apply retroactively to an appointment already confirmed under these terms. Previously disclosed travel charges for travel actually undertaken and charges for care already provided are addressed in Sections 2 and 5.
5. Refunds and Procedures Stopped Early
Payment for a service not provided is refunded. Separately disclosed care already provided, such as an evaluation, remains payable. A procedure that is not performed does not become chargeable merely because it was planned or advertised. Any applicable travel charge follows Section 2; there is currently no cancellation or missed-visit penalty.
If a procedure begins but is stopped before completion, including because you cannot tolerate it or ask that it stop, Eclosion may charge a reasonable portion of the agreed procedure fee for physician time, care already provided, and consumables actually used. The amount is determined after the visit, taking into account actual physician time, the work performed, and the cost of consumables used. It will not exceed the agreed full procedure fee or duplicate charges for time, care, or supplies already included elsewhere. By agreeing to this Financial Policy, you acknowledge and accept this basis for a partial-procedure charge; Eclosion does not require a separate advance quote of its exact amount. An itemized explanation of the charge is available on request.
Any prepaid procedure amount above the partial charge calculated under this policy is refunded. Separately disclosed evaluation or other completed care remains payable. Eclosion may reduce or waive charges based on the circumstances.
If Eclosion cancels, or the physician postpones or stops care for a clinical or safety reason not attributable to you, there is no cancellation or travel charge. Payment for care not provided is refunded or, if you prefer, credited toward future care. If a procedure has already begun, charges for physician time, care performed, and consumables used follow the partial-procedure provisions above.
Refunds are issued to the original payment method within any applicable legal time limit. A credit is used instead only if you choose it and the payment method permits. A disappointing result does not automatically require a refund for care properly provided.
6. Insurance, Government Programs, HSA, and FSA
Tell Eclosion before reserving care if you have Medicare, Medicare Advantage, Medicaid, or other government coverage so applicable billing restrictions can be reviewed before an appointment is confirmed. Eclosion's ability to provide or charge for some services may be limited. This policy is not a Medicare private contract or Advance Beneficiary Notice and does not authorize prohibited self-pay charges or waive program rights.
You may request an itemized receipt or bill and an explanation of charges. Eclosion does not guarantee reimbursement by an insurer, health plan, health savings account, or flexible spending account. Payment is not contingent on reimbursement, except as applicable law, insurance contracts, or program requirements provide.
7. Outside Providers
Pharmacies, laboratories, imaging centers, hospitals, emergency medical services, therapists, and other outside providers are independent of Eclosion and bill separately for their own services. Their charges are not included in Eclosion's fees unless expressly stated. Estimates identify the charges covered and follow applicable estimate requirements.
8. Quotes, Estimates, and Billing Rights
An ordinary fee quote is distinct from a formal Good Faith Estimate. Eligible uninsured or self-pay patients receive a written Good Faith Estimate when required by federal law, including within the applicable timelines after scheduling or a request. This policy does not replace an individual estimate or the separate notice of estimate rights.
Before planned nonemergency care, uninsured patients receive a reasonable estimate and information about any applicable discount or charity policies for which they may be eligible, as required by Florida law. You may ask Eclosion about available payment arrangements or discounts.
Nothing in this policy limits applicable billing protections or the right to use the federal patient-provider dispute resolution process. A provider's bill at least $400 above that provider's Good Faith Estimate may qualify; a dispute generally must be started within 120 calendar days of the initial bill. Keep your estimate and bill. For information, see the federal page Dispute a medical bill or call 1-800-985-3059.
Learn about your Good Faith Estimate rights →
9. Future Changes and Questions
Eclosion may update its fee schedule, optional charges, or this policy for future care. Changes affecting you are provided and accepted before they apply to a future reservation or additional service. Changes do not retroactively alter charges or terms already accepted. Any revised policy is provided with its effective date.
Questions or concerns about a fee, charge, or this policy may be raised at any time without retaliation or an effect on your care merely because you asked. Call (813) 388-8328 or email info@eclosionhealth.com. The Patient Agreement and Consent acknowledges receipt of and agreement to this policy; no separate policy signature is required by Eclosion.