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Co-pavments are due the day of vour appointment. This is the policy of your
insurance company and our office, no exceptions will be made. There will be a
charge if the co-payment is not made at the time of the visit.

Statements are sent out monthly on balances which are outstanding. These
balances may be due to deductibles, co-payments, non covered services, etc.
Prompt payment is expected. Should you have a question regarding your
statement, please contact our billing department immediately to avoid any
problem which may cause your account to become overdue.

We accept personal checks, cash, and several credit cards. Returned checks
are subject to a $15 fee.

Referrals:
Many insurance companies especially the HMO's require a referral from a
patient's primary care physician before the patient may be seen by a specialist.
If you feel that your child needs to be seen by a specialist please call our office
to discuss the problem with us. The insurance companies require our approval
prior to an appointment being made with other providers of care. Once approval
has been given and an appointment has been made, contact our referral
department with the appointment information.

Confidentiality:
Information obtained through our care of your children will be treated in a
confidential manner as outlined in our Notice Of Privacy Practices. If you did not
receive a copy or would like another one please ask anyone on the staff.

BEGINNING PARENTHOOD
(some advice from someone who's been there)

You've waited a long time for this day, dreamt about it, planned for it and been a
little apprehensive. If this is your first baby you have many ideas of what it's
going to be like to be a parent. Those ideas come from your own childhood
recollections, friends with children, your parents, reading, television and a variety

of other sources. Some of these ideas are realistic and some are not.

If you are like most other parents, the reality of pregnancy and labor and delivery
were different from what you had expected. The same will be true of caring for
your baby. If things are going a little differently from what you expected, don't be
discouraged. It's not because you are doing anything wrong! Even the most
organized and competent couple can be reduced to mass hysteria by an eight
pound addition to their family.

Be prepared when you take your baby home to feel at various times excited,
confused, happy, exhausted, sad (sometimes with good reason and sometimes
for no reason at all), and just a little overwhelmed. It is not uncommon to feel
discouraged when you are tired and there is no end to that fatigue in sight.
Caring for a baby is a full day's work and those days now seem to have more
than 24 hours in them. One solution to the problem is to get more rest. Sleep

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