Patient Information

Thank you for choosing Choices in Health. We are committed to your health and wellness. We believe that a good relationship is based on honesty, transparency, and open communications. Please understand that payment for services is a normal part of your treatment and care.

 Our staff has been instructed to make every effort to clarify any misunderstanding you may have concerning your bill or balance.

This page addresses the issues that frequently come up for patients. If you need additional help or information, please contact our offices at (303) 444-0840.

All new patients must complete our Patient Information Form.

Financial Responsibility

Please be proactive and contact your health insurance provider prior to your appointment to ensure that you have coverage for services rendered by Dr. Emilia Ripoll, M.D., Dr. Stephen Henderson, M.D., or Katrina Bailey, PA-C.  Also, be aware of your deductible and co-insurance requirements. Ultimately, you are responsible for all charges not covered by your health plan — this includes payment for all tests and services rendered by Choices in Health.

Due to our high volume of patients and the time it takes to communicate with health insurance companies, our office cannot verify or guarantee payment for our patient. As you may already know, this process can take hours. If you are having trouble with your insurance company, we understand — it’s a common problem. However, bills for services rendered that have not been paid in 45 days will automatically be sent to you. At your request, we can assist you in filing your insurance forms.

To obtain billing code information, please contact our offices at (303) 444-0840.


We accept payment by cash, check, VISA, MasterCard and Discover. Unless previously arranged, payment is due in full at the time of treatment. Our billing office (Flatirons Practice Management) is open Monday through Friday from 7:00 AM to 5:00 PM. Their phone number is 303-546-9158.

Service Charges

If the decision is made to see a patient who does not have his/her co-pay or deductible, a service charge of $10 will be added. A billing fee of $25.00 will be added to each statement billed after 75 days of service.

Chart Copying

A service fee of $25 to $50 will be charged for copying your chart. The exact cost depends on size of chart and how long it takes to sort and copy.

Missed Appointments

A $50 fee will be charged for all missed appointments. To avoid being charged the $50 fee, you must notify our office at least 24 business hours (one full business day) before to your appointment. Three (3) non-cancelled missed appointments are grounds for patient discharge.

Delinquent Accounts

An account is considered past due 30 days after you were billed — unless other arrangements were made. Unpaid accounts beyond 120 days are considered delinquent and may be forwarded to our collection agency. There will be a $25 service fee charged to all delinquent accounts.

Legal Fees

Any patient sent to collections will be responsible for all collection fees. If a patient is taken to small claims court, the patient will be responsible for all fees/ charges.

Prescription Refills

Our policy is for patients to call their pharmacy and ask the pharmacy to fax the request for the patient’s medication to 303-444-0838. Requests are handled within 48 business hours (two business days). Processing times may vary depending on your doctor’s availability.

Phone Calls to Doctors

Our medical staff has a very busy schedule, and they do not have time to take your call during normal business hours. If you have an urgent need to speak with your doctor, we will take a message and give you the soonest possible appointment.

If you need immediate medical attention, please go to your local emergency room or urgent care center.

Calling your doctor after hours will result in additional charges to you that insurance companies do not cover.


If Choices in Health is part of your HMO plan/network, you need a referral authorization from your primary care physician. If we have not received an authorization prior to your arrival at the office, we have a telephone available for you to call your primary care physician to obtain it. Unfortunately, if you are unable to obtain the referral, you must reschedule your appointment.

If it is determined that you need to have surgery, your referring physician will be sent a request for important patient information from Choices in Health, which must be received before we can schedule a surgery. (If you see a specialist, especially in cardiology, you may need to have information forwarded to our office to expedite your care.)

After-hour Emergencies
If you need immediate medical care outside our regular hours, please go to the nearest emergency room or urgent care center.
Caring for Children

A parent or legal guardian must accompany patients who are minors (under the age of 18) on the patient’s first visit. This accompanying adult (who consents to the treatment) is responsible for payment of the account. Payment for medical services is due regardless of separation, divorce, or custody disputes.

Summary of Financial Responsibility

If You Have...You Are Responsible For...
Commercial Insurance (also known as indemnity, “regular” insurance, or “80/20 coverage”)Payment for all medical services, including office visits, x-rays, injections, and other charges are due at the time of your office visit.
HMO & PPO plans with which we are a contracted.If the services you receive are covered by the plan, all applicable co-pays and deductibles are due at the time of the office visit. If the services you receive are not covered by the plan, full payment is due at the time of the office visit.
HMO with which we are NOT contracted Payment is due in full for office visits, x-rays, injections, and other charges at the time of office visit.
Point of Service Plan or Out of Network PPOPayment of the patient’s deductible, co-pay, or non-covered services are due at the time of the office visit
Medicare (Plan B) If you have Plan B Medicare, and have not met your $147 deductible, we request that it be paid at the time of service. Payment for any services not covered by Medicare is due at the time of the office visit. If you have Plan B Medicare as your primary insurance and a secondary insurance or Medigap, then no payment is necessary at the time of service. If you have Plan B Medicare as your primary insurance, but no secondary insurance: Payment of your 20% co-pay is due at the time of the office visit.
Medicare HMOAll applicable co-pays and deductibles are due at the time of the office visit.
Worker’s CompensationAll applicable co-pays and deductibles are due at the time of the office visit.
Worker’s Compensation (Out of State)Payment in full is due at the time of your office visit.
No InsurancePayment in full is due at the time of the visit.

Assignment of Benefits

You need to assign benefits/payments from your insurance provider to Choices in Health.

ABN Forms

An ABN form states that you may have to pay for a test or service your doctor has ordered if your insurance refuses to pay for it. If you sign the ABN, the doctor’s office may bill you for the cost of this ancillary test or service.

Why sign an ABN?

Although health insurance companies routinely pay for many tests and services, they do not cover all. In fact, your insurer may not pay for some procedures under certain circumstances. If that happens, Choices in Health must ask you to pay for a particular test or service. Consequently, patients are asked to sign an ABN whenever our experience tells us that your health insurance is likely to deny payment for the ancillary test or service that your doctor has ordered.

Why perform a test or service that your insurance carrier says isn’t medically necessary?

If your doctor has made a medical judgment that you need a test or service, then that test or service is deemed medically necessary.  To make that decision, your doctor considers your personal medical history, any medications you may be taking, and generally accepted medical practices. When a health insurance provider says a test or service is NOT medically necessary, they are making a financial decision — not a medical decision based on your health. Doctors make medical decisions; health insurance providers make financial decisions based on what they are willing pay.