Financial Arrangements
And Medical Insurance
As you are aware, Dr. Désirée Ratner and Désirée Ratner, M.D., P.C.
are out of network with your insurance company.
Dr. Ratner does not participate with any insurance plans and is considered an out-of-network
provider. As a result, payments for services are due at the time services are rendered. It is
important to note:
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Your insurance is a contract between you, your employer, and the insurance company. Dr. Ratner
does not have a contract with your insurance company, so she is out of network.
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Not all services are not covered by benefits in all contracts. Some insurance companies
arbitrarily select certain services they will not cover.
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We must emphasize that, as your medical care provider, our relationship is with you, not your
insurance company. All charges are your responsibility from the date that services are rendered.
We accept cash, check, MasterCard, Visa, Discover, and American Express.
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We will provide a copy of your superbill to submit to your insurance company for reimbursement.
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As of 2024 Dr. Ratner has “opted out” of Medicare. Medicare guidelines forbid our
office from submitting any claims to Medicare directly. Patients will be asked to sign a
“private contract” indicating that they are responsible for full payment at the time
of the visit and that the visit fee will not be reimbursed by Medicare.
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Reimbursement for any tests or tissue specimens sent out of the office by Dr. Ratner will be
covered at the discretion of Medicare or your private insurance company. We will make our best
effort to refer to in-network providers whenever possible.
Request More Information Today!
If you have any questions about the above information, PLEASE don’t hesitate to ask us.
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