Collections Policy

Policy & Procedures

1. Terms

The terms "You" and "Your" refer to the patient and/or person responsible for paying for the patient's health care services.

2. Out-of-Network Status and Insurance

Anchor Recovery, LLC operates as an out-of-network provider. This means we do not accept or bill health insurance plans directly for our services. Our role with insurance companies is strictly limited. You are solely responsible for checking your out-of-network benefits if you intend to seek reimbursement from your insurance provider independently. We cannot guarantee that your insurance plan will reimburse you for our services.

3. Payment for Services

You are responsible to pay the entire amount that is listed on our website for therapy services. Payment in full is due at the time of your visit.

4. Statements and Payment Terms

Because payment is expected in full at the time of service, we do not send monthly billing statements. If your primary payment method fails, or if a balance somehow accrues on your account, the balance is your immediate responsibility and should be paid upon notice. If you are unable to pay a remaining balance, please contact our business office to set up an acceptable payment plan.

5. Billing Error Review

If you believe that your bill or a charge is not accurate, or if you have other concerns about your charges, please contact our business office to discuss the matter. If you notify us of a billing error, or we otherwise determine that there is a billing error, we will review the account and correct any errors found. While the review is being conducted, we will not attempt to collect on the specific health treatment or services that are the subject of the review for potential billing errors. We may resume collection for the health treatment and services that were reviewed for potential billing errors only after (a) the review is complete, (b) any billing errors are corrected, and (c) a notice of completed review (as detailed below) is transmitted to you. If, after completing the review and correcting any billing errors, we determine you overpaid us, we will refund the overpaid amount within 30 days after completing the review.

6. Required Error Review Notices

Within 30 days of our determining or receiving notice that your account may contain one or more billing errors, we will notify you (1) of the potential billing error; (2) that we will review the account and correct any billing errors found; and (3) that while the review is being conducted, we will not pursue collection for any health treatment or service subject to review for potential billing errors. Within 30 days after we complete this review, we will (1) notify you that the review is complete, (2) explain in detail (a) how any identified billing errors were corrected, or (b) if applicable, why we did not modify the charges as requested, and (3) include applicable references to health records and other relevant information.

7. Medical Debt Owed and Collection

If you are having difficulty paying an outstanding balance, we encourage you to contact our business office about your account. Our business office staff will help you with questions and concerns, and work with you on a payment plan and other reasonable options to help you pay your balance.

8. Referral to a Collection Agency or Law Firm

Collection agencies may be enlisted only after all reasonable collection and payment options have been exhausted by Anchor Recovery, LLC. We may use a collection agency or law firm in certain cases where the terms of a payment arrangement or terms of our financial policies have not been met.

If you have not paid the balance due within 120 days of the date the balance became due, and have not made acceptable payment arrangements with our business office, or have not complied with agreed-upon payment arrangements, we may refer your account to a collection agency or law firm. Your medical debt will not be reported by us to a consumer reporting agency or credit bureau.

9. Ending Collection Activities

We review accounts periodically to confirm the status of any debts, and to identify uncollectible and satisfied debts. We will end collection activities once a debt is identified as satisfied or uncollectable, in accordance with our arrangement with the applicable collection agency or law firm. Our business office staff will provide updates regarding the status of your account upon your request.

10. Outstanding Debt

Anchor Recovery, LLC will not deny medically necessary health treatment or services to patients or members of a patient's family or household because of current or previous outstanding medical debt owed by the patient or any member of the patient's family or household to Anchor Recovery, LLC, regardless of whether the health treatment or service may be available from another health care provider.

As a condition of providing medically necessary health treatment or services when you or any member of your family or household has current or previous outstanding medical debt to us, we may require you to enroll in a payment plan for the outstanding medical debt owed to us.

The payment plan will take into account any information disclosed by you to us regarding your ability to pay.

If you are unable to make all or part of the agreed-upon installment payments under an agreed-upon payment plan, you must communicate your situation to us and you must make payment in an amount that you can afford.

Anchor Recovery, LLC reserves the right to seek other legal remedies due to failure to pay in any event, whether with or without a payment plan, and including, but not limited to terminating services.

11. Legal Requirements

When collecting medical debt, we will comply with all applicable requirements of law (which may include the Minnesota Debt Fairness Act, the federal Fair Debt Collection Practices Act, HIPAA, and Minnesota state privacy laws).