Legal

This Patient Financial Terms and Responsibility document (“Financial Terms”) outlines your financial obligations and payment responsibilities when participating in the BATWATCH™ Program (“BATWATCH™”). These terms apply to all services provided under BATWATCH™, including BAT TESTING™, the BAT PILL™ Protocol (“BPP”), and Telehealth services.

1. General Financial Disclosures

a) Insurance Coverage and Patient Responsibility:

BATWATCH™ bills your health insurance for covered services whenever possible. Your insurance policy may require you to pay certain amounts such as co-pays, deductibles, or co-insurance. You are responsible for any portion of charges not covered by your insurance.

b) Program Participation vs. Medical Services:

Participation in the BATWATCH™ program itself is not billed separately. Charges apply only to specific medical or educational services delivered within the program (e.g., testing, consultations, or telehealth visits).

2. Insurance and Billing Practices

2.1 Insurance Claims and Network Status:
BATWATCH™ accepts most major insurance plans. If we are in-network, claims are billed directly to your insurer.
If out-of-network, your out-of-pocket cost may be higher. You should verify coverage with your insurer.

2.2 Insurance Credentialing and Temporary Access Policy:
In some cases, your insurance plan may not have completed credentialing for BATWATCH™ or your assigned provider at the time of your appointment. Credentialing delays are common and outside of our control.

To ensure uninterrupted care, BATWATCH™ allows patients to continue receiving services under a temporary standard visit fee until insurance enrollment is finalized. Once credentialing is complete, these payments will be applied toward your future insurance claims.

This avoids long delays in care while maintaining full financial transparency — nothing is duplicated, and all payments are reconciled once coverage becomes active.

2.3 Medicare Patients:
Traditional Medicare currently limits coverage for many telehealth services outside of specific settings.
Patients with traditional Medicare may choose to continue care under the standard visit fee ($50 per visit) in order to maintain access. If Medicare later reimburses any portion of the service, that amount will be applied as a credit or refund to the patient’s account.
BATWATCH™ continues to participate in Medicare Advantage (Part C) plans, which generally support telehealth coverage.

2.4 Insurance Denials and Patient Liability:
If your insurance denies coverage, you will be notified and may be responsible for the cost of the service unless the denial is overturned.

BATWATCH™ will support appeals by:

Providing medical records and supporting documents

Submitting letters of medical necessity when appropriate

Assisting you in resubmitting claims

3. Patient Out-of-Pocket Costs

3.1 Standard Visit Fees:
To ensure access and continuity of care while insurance coverage or credentialing is pending, BATWATCH™ uses the following visit fee structure:

Type Description Fee Application
Active Insurance (Credentialed) Visit fee applied toward claim once billed $25 Applied to claim balance
Pending Credentialing / Non-Participating Plan / Traditional Medicare Visit fee applied toward claim when coverage becomes active; if not covered, it serves as capped visit cost $50 Applied or capped

This policy allows patients to continue care without waiting on administrative delays or risking loss of access to their provider.

3.2 Cost Transparency and Estimates:
Upon request, BATWATCH™ will provide a Good Faith Estimate (GFE) for services not covered by insurance, in accordance with the No Surprises Act.

3.3 Credit and Refund Application:
If a payment or insurance adjustment results in a credit on your account, BATWATCH™ may automatically apply the balance toward future visits under your ongoing care plan.

Patients may request a refund at any time, and any unused credits will be refunded if no additional services are scheduled within 60 days.

3.4 Cost Cap Assurance (No Surprise Billing):

BATWATCH™ maintains a strict cost-cap policy to protect patients from unexpected or excessive charges.

Your total responsibility for any telehealth visit will not exceed the standard visit fee ($25 or $50, depending on insurance status) unless your insurance plan subsequently approves and pays additional amounts directly to BATWATCH™.

You will never receive a surprise bill or be charged more than the agreed visit fee for any service that is not covered or denied by your insurer.

This cost cap ensures full compliance with the No Surprises Act and guarantees financial predictability for every patient.

4. Billing and Payment Terms

4.1 Billing Statements:
Billing statements are provided via your patient portal or by mail for any balances remaining after insurance processing.

4.2 Payment Due Dates:
All balances are due within 30 days of the statement date unless a payment plan is arranged.

4.3 Payment Methods Accepted:

Credit/Debit Cards (Visa, MasterCard, AmEx, Discover)

HSA/FSA cards

Bank transfer

Secure payment links or invoices through the BATWATCH™ portal

5. Payment Plans and Financial Assistance

5.1 Payment Plans:
Interest-free payment plans are available upon request.

5.2 Financial Assistance:
BATWATCH™ offers a Financial Assistance Program for patients experiencing hardship. Eligibility is based on income verification and need.

6. Refunds and Credit Balances

6.1 Refunds:
Refunds are issued only for billing errors, service cancellations initiated by BATWATCH™, or upon written patient request for a credit balance.

6.2 Credit Balance Policy:
Patients may elect to have any overpayments automatically applied toward future services.

By enrolling in the BPP, you are consenting to these terms, and authorize BATWATCH™ to automatically apply credit balances toward future visits unless you request otherwise.

7. Appointment Cancellations

No cancellation fees are charged for telehealth visits.

In-person visits canceled less than 24 hours before the scheduled time may incur a $25 fee.

8. Financial Responsibility Acknowledgment

By receiving services under BATWATCH™, you acknowledge that:

You are responsible for all non-covered charges.

You authorize BATWATCH™ to bill your insurance.

You understand that visit fees ($25 or $50) are applied toward your claim or serve as a capped rate when applicable.

You consent to automatic application of credits toward future services, unless you request a refund.

You are protected under BATWATCH™’s Cost Cap Assurance, meaning you will never receive a surprise bill beyond your agreed visit fee unless covered by insurance.

9. Disputes and Billing Inquiries

Disputes must be submitted within 30 days of billing via portal or email.

Updates to Financial Terms

BATWATCH™ may update these terms as regulations change.

Updates will be posted via the patient portal and take effect upon notice.