Office Financial Policy

Thank you for choosing Nature of Skin Dermatology. Our goal is to provide excellent medical, surgical, and cosmetic dermatology care while maintaining transparent financial policies. Please review the following office financial policy carefully.

Credit Card on File Requirement

A valid credit or debit card is required to be kept on file prior to scheduling any appointment. By providing a card on file, you authorize Nature of Skin Dermatology to charge your account for: outstanding balances; no-show and late cancellation fees; deductibles, co-pays, co-insurance, and non-covered services; returned payment fees; cosmetic treatment balances; any patient-responsible charges not paid by insurance. Any remaining balances up to $500 may be charged to the card on file after insurance processing or patient notification. Overpayments will be refunded or credited to your account. A processing fee of 2.65%–3.65% plus $0.15 will apply to all credit/debit card transactions.

Cancellation & No-Show Policy

We require a minimum of 48-hour notice during office business hours for cancellations or rescheduling.

Medical Appointments:

• First no-show or late cancellation: $80
• Second no-show or late cancellation: $200
• Third no-show or late cancellation: $200 fee and discharge from the practice

Procedure Appointments (Dr. Obayan):

• No-show or late cancellation: $150

These fees are the patient’s responsibility, are not billable to insurance, and must be paid prior to scheduling future appointments. Patients who miss three scheduled appointments may be discharged from the practice.

Payment Policy

Medical Services: Estimated patient responsibility — including co-pays, deductibles, co-insurance, and non-covered services — is due at the time of service. Telehealth visits require payment prior to the scheduled appointment. Because insurance claims are processed after services are rendered, exact patient responsibility may not always be known at check-in. Remaining balances after insurance processing will be billed to the patient; overpayments will be refunded or credited.

Cosmetic Services: Full payment is required prior to scheduling cosmetic appointments and packages. Cosmetic appointments will not be confirmed until payment is received. Outstanding medical or cosmetic balances must be resolved before scheduling future appointments. Surgical appointments require 100% payment at the time of booking. Patients receiving package pricing must pay the full package amount in advance to qualify for discounted pricing.

Insurance Policy:

Patients receiving medical dermatology services must provide current insurance information at each visit. If scheduling online, insurance information must be submitted prior to the appointment so coverage may be verified.

Please note:

• Your insurance policy is a contract between you and your insurance company.
• Patients are ultimately responsible for all charges not paid by insurance.
• Claims unpaid by insurance within 45 days may become the patient’s responsibility.
• If payment is not received within 60 days from the date of service, the account may be considered delinquent and referred to collections.

If your insurance company requires PCP referrals, pre-certifications, prior authorizations, or additional documentation, it is the patient’s responsibility to obtain and provide the required information before services are rendered. Denied claims due to lack of referral, benefit limitations, or non-covered services remain the patient’s responsibility.

Returned Payments

A $50 service fee will be charged for returned checks, declined ACH payments, and bounced or disputed credit card transactions. No exceptions.

Collections Policy

Accounts not paid by either the patient or insurance carrier within 60 days of the date of service may be referred to an outside collections agency. If an account is sent to collections, the patient will be responsible for the outstanding balance, additional collection fees may apply, and collection activity may negatively affect the patient’s credit rating. Payment plans may be available but must be arranged prior to the account being transferred to collections.

Deposits, Cosmetic Packages & Expiration Policy

All pre-paid cosmetic procedures, medical procedures, integrative deposits, services, and packages are NON-REFUNDABLE and NON-TRANSFERABLE. This includes but is not limited to: PRP treatments and packages, laser treatments and resurfacing, injectables and neurotoxins, chemical peels, microneedling, dermaplaning, facials, and cosmetic consultations. No partial refunds will be issued for unused treatments within a package.

Expiration Policy:

• Cosmetic deposits and prepaid balances expire 6 months from the original purchase date.
• Laser hair removal packages expire 12 months from the original purchase date.
• Unused balances or treatments after expiration are forfeited.

Consultation Fees

Laser and aesthetician consultation fees ($80) may be applied toward treatment if the service is completed on the same day as the consultation or within 7 days of the consultation date.

Refund Policy

All cosmetic services, procedures, prepaid packages, deposits, and gift cards are non-refundable. Nature of Skin and ISDIN retail products may be returned within 30 days of purchase.