Out-of-Network / Fee for Service

Dr. Purganan does not participate with insurance plans and is considered an out-of-network provider. You are therefore responsible for payment of the full cost of services at the time of your visit.

Some insurance plans may reimburse a portion of fees paid to out-of-network providers. Many plans also provide coverage for prescribed medications and laboratory testing. Upon request, we can provide a “superbill” (a detailed receipt) after each visit, which you may submit directly to your insurance company for possible reimbursement. Third-party services (e.g., Reimbursify) may assist you with submitting out-of-network claims, depending on your insurance carrier.

It is your responsibility to understand your insurance benefits. Please contact your insurance company before your first appointment to verify whether your plan includes out-of-network coverage and to determine any applicable deductibles.

Due to federal and state regulations, Dr. Purganan is unable to provide services to patients enrolled in Medicare, Medicaid, or Medi-Cal, even if the patient wishes to pay privately. Patients enrolled in these programs are encouraged to seek care from providers who participate in their insurance networks.

Accepted Forms of Payment

All major credit cards and debit cards are accepted.  

Cancellation, No-show, and Late Policy

Appointments are reserved specifically for you. If you need to cancel or reschedule, please contact the office during business hours at least 24 hours prior to your scheduled appointment to avoid a cancellation fee. For Monday appointments, cancellations must be made by 12:00 PM on the preceding Friday so the appointment time may be offered to another patient.

Appointments cancelled with less than 24 hours notice, or missed appointments (“no-shows”), will be charged a $150 cancellation fee. Cancellation fees are not billable to insurance and are the patient’s sole responsibility.

If you arrive late to an appointment, you will be seen for the remainder of your reserved time. The full session fee will still apply.

Fees

Payment is due at the time services are rendered. All patients are required to maintain a valid credit card on file.

The following is a summary of commonly charged fees and policies and is not an exhaustive list. A complete and current fee schedule is provided in the new patient packet. Fees will be adjusted no more than once annually.

Office Visit Fees

• New Patient Visit (60 minutes): $575
• New Patient Extended Visit or Second-Opinion Consultation (90 minutes): $775
• Brief Follow-Up Visit (25 minutes): $265
• Extended Follow-Up Visit (45 minutes): $425

Services Provided Between Appointments

Clinical services performed outside of scheduled visits may incur additional charges. Examples include extended phone or e-mail communications exceeding 10 minutes, completion of forms, letters, or reports, prior authorization requests, and coordination of care with other providers or family members. These services are billed at $55 per 10-minute increment.

Legal Proceedings

This practice does not voluntarily participate in legal proceedings. If the clinician is required by subpoena or court order to participate in a legal matter involving a patient, the patient is responsible for associated professional fees. Charges are $550 per hour and include preparation time, testimony, travel, and related administrative time. Advance payment is required.

Medical Records Requests

Patients have a right to access their medical records.
• Electronic copies (secure email, patient portal, or other electronic format): provided at a reasonable, cost-based fee.
• Paper copies: $0.25 per page plus actual postage costs.

Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining the expected cost of your medical and mental health care. Federal law requires healthcare providers to provide an estimate to patients who are uninsured or who choose to self-pay for services.

You are entitled to receive a Good Faith Estimate of the total anticipated charges for non-emergency items and services, including psychiatric services.

Your healthcare provider will provide this estimate in writing at least one business day before scheduled services. You may also request a Good Faith Estimate before scheduling an appointment or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you have the right to dispute the charge. Please keep a copy of your Good Faith Estimate for your records.

For additional information about your rights, visit www.cms.gov/nosurprises.