Clinic — Insurance & Pricing

:root {
  --teal: #129c93;
  --teal-d: #0c7a73;
  --teal-700: #0a655f;
  --teal-50: #e7f5f3;
  --coral: #ff7a66;
  --coral-soft: #ffe6df;
  --ink: #16322f;
  --ink-2: #3a534f;
  --muted: #6b827e;
  --bg: #f1f7f6;
  --white: #ffffff;
  --line: rgba(16, 50, 47, 0.1);
  --line-2: rgba(16, 50, 47, 0.18);
  --ok: #2f9e6f;
  --warn: #d98a2b;
  --danger: #d4503e;
  --font: "Inter", system-ui, -apple-system, sans-serif;
  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 20px;
  --shadow-1: 0 1px 2px rgba(16, 50, 47, 0.05), 0 4px 14px rgba(16, 50, 47, 0.06);
  --shadow-2: 0 16px 40px rgba(12, 122, 115, 0.16);
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--ink);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}

:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ── Layout ── */
.page {
  max-width: 760px;
  margin: 0 auto;
  padding: 40px 20px 72px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* ── Hero ── */
.hero {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.eyebrow {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--teal-d);
}
.hero h1 {
  font-size: 2.1rem;
  font-weight: 800;
  letter-spacing: -0.03em;
  line-height: 1.1;
}
.lede {
  font-size: 1.02rem;
  color: var(--ink-2);
  max-width: 56ch;
}
.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 6px;
}
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 7px 14px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--ink-2);
  box-shadow: var(--shadow-1);
}
.pill .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--ok);
  flex-shrink: 0;
}

/* ── Block (card section) ── */
.block {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 26px;
  box-shadow: var(--shadow-1);
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.block-head {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.block-head h2 {
  font-size: 1.22rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.sub {
  font-size: 0.88rem;
  color: var(--muted);
  margin-top: 3px;
  max-width: 44ch;
}

/* ── Payer search ── */
.search {
  position: relative;
  flex-shrink: 0;
}
.search-ico {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  color: var(--muted);
  pointer-events: none;
}
.search input {
  font: inherit;
  font-size: 0.88rem;
  width: 220px;
  max-width: 100%;
  padding: 10px 14px 10px 38px;
  border: 1px solid var(--line-2);
  border-radius: 999px;
  background: var(--bg);
  color: var(--ink);
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
}
.search input::placeholder {
  color: var(--muted);
}
.search input:focus {
  outline: none;
  background: var(--white);
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(18, 156, 147, 0.14);
}

/* ── Payer grid ── */
.payers {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
  gap: 12px;
}
.payer {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  background: #fafdfc;
  transition: border-color 0.15s, transform 0.12s, box-shadow 0.15s;
}
.payer:hover {
  border-color: var(--teal);
  box-shadow: var(--shadow-1);
  transform: translateY(-1px);
}
.payer[hidden] {
  display: none;
}
.logo {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-size: 0.84rem;
  font-weight: 800;
  letter-spacing: 0.02em;
  color: #fff;
  background: var(--c, var(--teal-d));
  box-shadow: inset 0 -2px 6px rgba(0, 0, 0, 0.14);
}
.payer-name {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ink);
  min-width: 0;
}
.no-match {
  font-size: 0.9rem;
  color: var(--ink-2);
  background: var(--teal-50);
  border: 1px solid rgba(18, 156, 147, 0.22);
  border-radius: var(--r-sm);
  padding: 12px 14px;
}
.no-match[hidden] {
  display: none;
}
.fine {
  font-size: 0.82rem;
  color: var(--muted);
}

/* ── Pricing segmented toggle ── */
.seg {
  display: inline-flex;
  gap: 4px;
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 4px;
  flex-shrink: 0;
}
.seg-btn {
  border: none;
  background: transparent;
  border-radius: 999px;
  padding: 8px 14px;
  font: inherit;
  font-weight: 600;
  font-size: 0.84rem;
  color: var(--muted);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  transition: background 0.15s, color 0.15s;
}
.seg-btn:hover {
  color: var(--ink-2);
}
.seg-btn.is-active {
  background: var(--teal-d);
  color: #fff;
}
.seg-save {
  font-size: 0.7rem;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 999px;
  background: var(--coral-soft);
  color: #c4503a;
}
.seg-btn.is-active .seg-save {
  background: rgba(255, 255, 255, 0.22);
  color: #fff;
}

/* ── Pricing table ── */
.table {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
}
.trow {
  display: grid;
  grid-template-columns: 1fr 130px 130px;
  gap: 14px;
  align-items: center;
  padding: 16px 18px;
  border-bottom: 1px solid var(--line);
}
.trow:last-child {
  border-bottom: none;
}
.trow:not(.thead):hover {
  background: #fafdfc;
}
.thead {
  background: var(--teal-50);
  font-size: 0.74rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--teal-700);
}
.svc strong {
  display: block;
  font-size: 0.96rem;
  font-weight: 700;
  color: var(--ink);
}
.svc em {
  display: block;
  font-style: normal;
  font-size: 0.82rem;
  color: var(--muted);
  margin-top: 2px;
}
.dur {
  font-size: 0.86rem;
  color: var(--ink-2);
  font-weight: 500;
}
.ta-right {
  text-align: right;
}
.price {
  font-size: 1.06rem;
  font-weight: 800;
  color: var(--teal-d);
  font-variant-numeric: tabular-nums;
  transition: color 0.2s;
}
.price.is-member {
  color: var(--coral);
}

/* ── Coverage CTA ── */
.cta {
  background: linear-gradient(150deg, var(--teal-d), var(--teal-700));
  color: #fff;
  border-radius: var(--r-lg);
  padding: 30px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 28px;
  align-items: center;
  box-shadow: var(--shadow-2);
}
.cta-text h2 {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: -0.02em;
}
.cta-text p {
  margin-top: 8px;
  font-size: 0.94rem;
  color: rgba(255, 255, 255, 0.86);
  max-width: 40ch;
}
.cta-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.field span {
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.88);
}
.field input {
  font: inherit;
  font-size: 0.9rem;
  padding: 11px 14px;
  border: 1px solid rgba(255, 255, 255, 0.28);
  border-radius: var(--r-sm);
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  transition: border-color 0.15s, background 0.15s, box-shadow 0.15s;
}
.field input::placeholder {
  color: rgba(255, 255, 255, 0.6);
}
.field input:focus {
  outline: none;
  background: rgba(255, 255, 255, 0.18);
  border-color: #fff;
  box-shadow: 0 0 0 3px rgba(255, 255, 255, 0.18);
}
.field.invalid input {
  border-color: var(--coral);
  box-shadow: 0 0 0 3px rgba(255, 122, 102, 0.28);
}

/* ── Buttons ── */
.btn {
  border: none;
  border-radius: var(--r-sm);
  padding: 12px 18px;
  font: inherit;
  font-weight: 700;
  font-size: 0.9rem;
  cursor: pointer;
  transition: transform 0.12s, background 0.15s, color 0.15s, box-shadow 0.15s;
}
.btn:active {
  transform: translateY(1px);
}
.btn.solid {
  background: var(--white);
  color: var(--teal-d);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.16);
}
.btn.solid:hover {
  background: var(--teal-50);
}
.btn.solid:disabled {
  opacity: 0.7;
  cursor: progress;
}

/* ── FAQ accordion ── */
.faq {
  display: flex;
  flex-direction: column;
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  overflow: hidden;
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item:last-child {
  border-bottom: none;
}
.faq-q {
  width: 100%;
  border: none;
  background: var(--white);
  font: inherit;
  font-weight: 600;
  font-size: 0.96rem;
  color: var(--ink);
  text-align: left;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}
.faq-q:hover {
  background: #fafdfc;
  color: var(--teal-d);
}
.faq-q[aria-expanded="true"] {
  color: var(--teal-d);
}
.chev {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--muted);
  transition: transform 0.22s ease, color 0.15s;
}
.faq-q[aria-expanded="true"] .chev {
  transform: rotate(180deg);
  color: var(--teal-d);
}
.faq-a {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.26s ease;
}
.faq-a p {
  padding: 0 20px 18px;
  font-size: 0.9rem;
  color: var(--ink-2);
  max-width: 62ch;
}

/* ── Toast ── */
.toast {
  position: fixed;
  left: 50%;
  bottom: 26px;
  transform: translateX(-50%);
  background: var(--ink);
  color: #fff;
  padding: 13px 20px;
  border-radius: 12px;
  font-size: 0.9rem;
  font-weight: 500;
  box-shadow: var(--shadow-2);
  z-index: 50;
  max-width: 90vw;
}
.toast[hidden] {
  display: none;
}

/* ── Responsive ── */
@media (max-width: 520px) {
  .page {
    padding: 28px 16px 56px;
    gap: 18px;
  }
  .hero h1 {
    font-size: 1.7rem;
  }
  .block {
    padding: 20px 18px;
  }
  .block-head {
    flex-direction: column;
  }
  .search input {
    width: 100%;
  }
  .payers {
    grid-template-columns: 1fr 1fr;
  }
  .trow {
    grid-template-columns: 1fr auto;
    gap: 4px 12px;
  }
  .dur {
    grid-row: 2;
    grid-column: 1;
  }
  .price {
    grid-row: 1 / span 2;
    grid-column: 2;
    align-self: center;
  }
  .thead {
    display: none;
  }
  .cta {
    grid-template-columns: 1fr;
    padding: 24px 20px;
  }
}

@media (max-width: 360px) {
  .payers {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
  }
}

// ── Toast ──────────────────────────────────────────────────────────────────
const toast = document.getElementById("toast");
function showToast(msg) {
  toast.textContent = msg;
  toast.hidden = false;
  clearTimeout(showToast._t);
  showToast._t = setTimeout(() => (toast.hidden = true), 2800);
}

// ── Payer search filter ──────────────────────────────────────────────────────
const search = document.getElementById("payer-search");
const payers = Array.from(document.querySelectorAll("#payer-grid .payer"));
const payerEmpty = document.getElementById("payer-empty");

search.addEventListener("input", () => {
  const q = search.value.trim().toLowerCase();
  let shown = 0;
  payers.forEach((p) => {
    const match = p.dataset.name.toLowerCase().includes(q);
    p.hidden = !match;
    if (match) shown++;
  });
  payerEmpty.hidden = shown !== 0;
});

// ── Self-pay pricing toggle (Standard vs Care Member −15%) ────────────────────
const segBtns = Array.from(document.querySelectorAll(".seg-btn"));
const priceCells = Array.from(document.querySelectorAll(".trow[data-base]"));
const MEMBER_RATE = 0.85; // −15%

function renderPrices(cycle) {
  const member = cycle === "member";
  priceCells.forEach((row) => {
    const base = Number(row.dataset.base);
    const cell = row.querySelector("[data-price]");
    const value = member ? Math.round(base * MEMBER_RATE) : base;
    cell.textContent = "$" + value;
    cell.classList.toggle("is-member", member);
  });
}

segBtns.forEach((btn) => {
  btn.addEventListener("click", () => {
    segBtns.forEach((b) => {
      const active = b === btn;
      b.classList.toggle("is-active", active);
      b.setAttribute("aria-pressed", String(active));
    });
    renderPrices(btn.dataset.cycle);
    if (btn.dataset.cycle === "member") {
      showToast("Care Member rates applied — save 15% on self-pay services.");
    }
  });
});

// ── FAQ accordion (single-open) ──────────────────────────────────────────────
const faqButtons = Array.from(document.querySelectorAll(".faq-q"));

function closePanel(btn) {
  const panel = document.getElementById(btn.getAttribute("aria-controls"));
  btn.setAttribute("aria-expanded", "false");
  panel.style.maxHeight = "0px";
}

function openPanel(btn) {
  const panel = document.getElementById(btn.getAttribute("aria-controls"));
  btn.setAttribute("aria-expanded", "true");
  panel.style.maxHeight = panel.scrollHeight + "px";
}

faqButtons.forEach((btn) => {
  btn.addEventListener("click", () => {
    const isOpen = btn.getAttribute("aria-expanded") === "true";
    faqButtons.forEach((other) => {
      if (other !== btn) closePanel(other);
    });
    if (isOpen) closePanel(btn);
    else openPanel(btn);
  });
});

// Keep an open panel sized correctly when the viewport changes.
window.addEventListener("resize", () => {
  faqButtons.forEach((btn) => {
    if (btn.getAttribute("aria-expanded") === "true") {
      const panel = document.getElementById(btn.getAttribute("aria-controls"));
      panel.style.maxHeight = panel.scrollHeight + "px";
    }
  });
});

// ── Coverage check form ──────────────────────────────────────────────────────
const form = document.getElementById("coverage-form");
const planInput = document.getElementById("cv-plan");
const idInput = document.getElementById("cv-id");

[planInput, idInput].forEach((input) => {
  input.addEventListener("input", () => {
    input.closest(".field").classList.remove("invalid");
  });
});

form.addEventListener("submit", (e) => {
  e.preventDefault();
  let valid = true;
  [planInput, idInput].forEach((input) => {
    const ok = input.value.trim().length > 0;
    input.closest(".field").classList.toggle("invalid", !ok);
    if (!ok) valid = false;
  });

  if (!valid) {
    showToast("Add your plan and member ID so we can verify coverage.");
    (planInput.value.trim() ? idInput : planInput).focus();
    return;
  }

  const submitBtn = form.querySelector('button[type="submit"]');
  const planName = planInput.value.trim();
  submitBtn.disabled = true;
  submitBtn.textContent = "Checking…";
  showToast("Submitting your details to our billing team…");

  setTimeout(() => {
    submitBtn.disabled = false;
    submitBtn.textContent = "Check coverage";
    form.reset();
    showToast(`Thanks — we'll confirm your ${planName} coverage within one business day.`);
  }, 1400);
});

<!doctype html>
<html lang="en">
  <head>
    <meta charset="UTF-8" />
    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
    <link rel="preconnect" href="https://fonts.googleapis.com" />
    <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin />
    <link
      rel="stylesheet"
      href="https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap"
    />
    <link rel="stylesheet" href="style.css" />
    <title>Insurance &amp; Pricing · Northpoint Clinic</title>
  </head>
  <body>
    <main class="page">
      <!-- ── Hero ── -->
      <header class="hero">
        <p class="eyebrow">Billing &amp; coverage</p>
        <h1>Insurance &amp; pricing</h1>
        <p class="lede">
          We work with most major plans and keep self-pay rates simple and
          published. No surprise bills — if anything is unclear, our billing
          team is happy to walk you through it before your visit.
        </p>
        <div class="hero-meta">
          <span class="pill"><span class="dot"></span> In-network with 10+ payers</span>
          <span class="pill"><span class="dot"></span> Transparent self-pay rates</span>
        </div>
      </header>

      <!-- ── Accepted insurers ── -->
      <section class="block" aria-labelledby="payers-h">
        <div class="block-head">
          <div>
            <h2 id="payers-h">Accepted insurers</h2>
            <p class="sub">
              Plans we&rsquo;re currently in-network with at Northpoint Clinic.
            </p>
          </div>
          <div class="search">
            <svg viewBox="0 0 24 24" aria-hidden="true" class="search-ico">
              <path
                d="M21 21l-4.3-4.3M11 18a7 7 0 1 1 0-14 7 7 0 0 1 0 14Z"
                fill="none"
                stroke="currentColor"
                stroke-width="2"
                stroke-linecap="round"
              />
            </svg>
            <input
              type="search"
              id="payer-search"
              placeholder="Find your plan…"
              aria-label="Search accepted insurers"
            />
          </div>
        </div>

        <ul class="payers" id="payer-grid" role="list">
          <li class="payer" data-name="Aetna Health">
            <span class="logo" style="--c: #7b2d8e" aria-hidden="true">AE</span>
            <span class="payer-name">Aetna Health</span>
          </li>
          <li class="payer" data-name="BlueCross Meridian">
            <span class="logo" style="--c: #1769b5" aria-hidden="true">BC</span>
            <span class="payer-name">BlueCross Meridian</span>
          </li>
          <li class="payer" data-name="Cigna Care">
            <span class="logo" style="--c: #f08a24" aria-hidden="true">CI</span>
            <span class="payer-name">Cigna Care</span>
          </li>
          <li class="payer" data-name="UnitedWell">
            <span class="logo" style="--c: #2f6fce" aria-hidden="true">UW</span>
            <span class="payer-name">UnitedWell</span>
          </li>
          <li class="payer" data-name="Humana Plus">
            <span class="logo" style="--c: #5aa02c" aria-hidden="true">HP</span>
            <span class="payer-name">Humana Plus</span>
          </li>
          <li class="payer" data-name="Kaiser Grove">
            <span class="logo" style="--c: #0a7d72" aria-hidden="true">KG</span>
            <span class="payer-name">Kaiser Grove</span>
          </li>
          <li class="payer" data-name="Oscar Bright">
            <span class="logo" style="--c: #e0533d" aria-hidden="true">OB</span>
            <span class="payer-name">Oscar Bright</span>
          </li>
          <li class="payer" data-name="Anthem Ridge">
            <span class="logo" style="--c: #3056a8" aria-hidden="true">AR</span>
            <span class="payer-name">Anthem Ridge</span>
          </li>
          <li class="payer" data-name="MediShare Co-op">
            <span class="logo" style="--c: #8a6d2f" aria-hidden="true">MS</span>
            <span class="payer-name">MediShare Co-op</span>
          </li>
          <li class="payer" data-name="StatePlan Medicaid">
            <span class="logo" style="--c: #4b5563" aria-hidden="true">SP</span>
            <span class="payer-name">StatePlan Medicaid</span>
          </li>
        </ul>
        <p class="no-match" id="payer-empty" hidden>
          We couldn&rsquo;t find that plan in the list. Use
          <strong>Check your coverage</strong> below and we&rsquo;ll verify it
          for you.
        </p>
        <p class="fine">
          Don&rsquo;t see your plan? Many out-of-network visits are still
          partially reimbursable — ask us for a superbill.
        </p>
      </section>

      <!-- ── Self-pay pricing ── -->
      <section class="block" aria-labelledby="pricing-h">
        <div class="block-head">
          <div>
            <h2 id="pricing-h">Self-pay pricing</h2>
            <p class="sub">
              Flat rates for patients paying without insurance. Prices shown per
              service.
            </p>
          </div>
          <div class="seg" role="group" aria-label="Billing frequency">
            <button class="seg-btn is-active" data-cycle="standard">
              Standard
            </button>
            <button class="seg-btn" data-cycle="member">
              Care&nbsp;Member <span class="seg-save">−15%</span>
            </button>
          </div>
        </div>

        <div class="table" role="table" aria-label="Self-pay pricing">
          <div class="trow thead" role="row">
            <span role="columnheader">Service</span>
            <span role="columnheader">Typical duration</span>
            <span role="columnheader" class="ta-right">Self-pay price</span>
          </div>

          <div class="trow" role="row" data-base="89">
            <span role="cell" class="svc">
              <strong>Office visit</strong>
              <em>New or returning patient, in person</em>
            </span>
            <span role="cell" class="dur">20–30 min</span>
            <span role="cell" class="price ta-right" data-price>$89</span>
          </div>

          <div class="trow" role="row" data-base="59">
            <span role="cell" class="svc">
              <strong>Telehealth visit</strong>
              <em>Video consult with a clinician</em>
            </span>
            <span role="cell" class="dur">15–20 min</span>
            <span role="cell" class="price ta-right" data-price>$59</span>
          </div>

          <div class="trow" role="row" data-base="45">
            <span role="cell" class="svc">
              <strong>Basic lab panel</strong>
              <em>Blood draw &amp; standard chemistry</em>
            </span>
            <span role="cell" class="dur">10 min</span>
            <span role="cell" class="price ta-right" data-price>$45</span>
          </div>

          <div class="trow" role="row" data-base="35">
            <span role="cell" class="svc">
              <strong>Vaccination</strong>
              <em>Flu, Tdap &amp; routine immunizations</em>
            </span>
            <span role="cell" class="dur">10 min</span>
            <span role="cell" class="price ta-right" data-price>$35</span>
          </div>

          <div class="trow" role="row" data-base="129">
            <span role="cell" class="svc">
              <strong>Annual physical</strong>
              <em>Comprehensive wellness exam</em>
            </span>
            <span role="cell" class="dur">40–45 min</span>
            <span role="cell" class="price ta-right" data-price>$129</span>
          </div>
        </div>
        <p class="fine">
          Labs sent to outside reference labs may carry separate charges. A
          good-faith estimate is available on request.
        </p>
      </section>

      <!-- ── Coverage CTA ── -->
      <section class="cta" aria-labelledby="cta-h">
        <div class="cta-text">
          <h2 id="cta-h">Check your coverage</h2>
          <p>
            Tell us your plan and we&rsquo;ll confirm your in-network status and
            estimated visit cost — usually within one business day, before you
            ever sit in the waiting room.
          </p>
        </div>
        <form class="cta-form" id="coverage-form" novalidate>
          <label class="field">
            <span>Insurance plan</span>
            <input
              type="text"
              id="cv-plan"
              name="plan"
              placeholder="e.g. BlueCross Meridian"
              autocomplete="off"
              required
            />
          </label>
          <label class="field">
            <span>Member ID</span>
            <input
              type="text"
              id="cv-id"
              name="member"
              placeholder="Member ID on your card"
              autocomplete="off"
              required
            />
          </label>
          <button type="submit" class="btn solid">Check coverage</button>
        </form>
      </section>

      <!-- ── FAQ accordion ── -->
      <section class="block" aria-labelledby="faq-h">
        <div class="block-head">
          <div>
            <h2 id="faq-h">Billing questions</h2>
            <p class="sub">Straight answers to what patients ask us most.</p>
          </div>
        </div>

        <div class="faq" id="faq">
          <div class="faq-item">
            <button
              class="faq-q"
              id="faq-btn-1"
              aria-expanded="false"
              aria-controls="faq-p-1"
            >
              <span>When will I be billed for my visit?</span>
              <svg class="chev" viewBox="0 0 24 24" aria-hidden="true">
                <path
                  d="M6 9l6 6 6-6"
                  fill="none"
                  stroke="currentColor"
                  stroke-width="2"
                  stroke-linecap="round"
                  stroke-linejoin="round"
                />
              </svg>
            </button>
            <div class="faq-a" id="faq-p-1" role="region" aria-labelledby="faq-btn-1">
              <p>
                For insured visits, we bill your payer first and only send you a
                statement once your claim is processed — typically two to four
                weeks later. Self-pay patients are charged at checkout.
              </p>
            </div>
          </div>

          <div class="faq-item">
            <button
              class="faq-q"
              id="faq-btn-2"
              aria-expanded="false"
              aria-controls="faq-p-2"
            >
              <span>Do you offer payment plans?</span>
              <svg class="chev" viewBox="0 0 24 24" aria-hidden="true">
                <path
                  d="M6 9l6 6 6-6"
                  fill="none"
                  stroke="currentColor"
                  stroke-width="2"
                  stroke-linecap="round"
                  stroke-linejoin="round"
                />
              </svg>
            </button>
            <div class="faq-a" id="faq-p-2" role="region" aria-labelledby="faq-btn-2">
              <p>
                Yes. Balances over $150 can be split into interest-free monthly
                installments. Set one up online or call our billing line and
                we&rsquo;ll find a plan that fits your budget.
              </p>
            </div>
          </div>

          <div class="faq-item">
            <button
              class="faq-q"
              id="faq-btn-3"
              aria-expanded="false"
              aria-controls="faq-p-3"
            >
              <span>What if my insurance denies a claim?</span>
              <svg class="chev" viewBox="0 0 24 24" aria-hidden="true">
                <path
                  d="M6 9l6 6 6-6"
                  fill="none"
                  stroke="currentColor"
                  stroke-width="2"
                  stroke-linecap="round"
                  stroke-linejoin="round"
                />
              </svg>
            </button>
            <div class="faq-a" id="faq-p-3" role="region" aria-labelledby="faq-btn-3">
              <p>
                Denials are common and often resolved with a quick correction.
                Our team re-files on your behalf and keeps you updated — you
                won&rsquo;t owe the disputed amount while an appeal is in
                progress.
              </p>
            </div>
          </div>

          <div class="faq-item">
            <button
              class="faq-q"
              id="faq-btn-4"
              aria-expanded="false"
              aria-controls="faq-p-4"
            >
              <span>Can I use an HSA or FSA card?</span>
              <svg class="chev" viewBox="0 0 24 24" aria-hidden="true">
                <path
                  d="M6 9l6 6 6-6"
                  fill="none"
                  stroke="currentColor"
                  stroke-width="2"
                  stroke-linecap="round"
                  stroke-linejoin="round"
                />
              </svg>
            </button>
            <div class="faq-a" id="faq-p-4" role="region" aria-labelledby="faq-btn-4">
              <p>
                Absolutely. We accept HSA and FSA cards for all eligible
                services, and can provide an itemized receipt for your records
                or reimbursement.
              </p>
            </div>
          </div>

          <div class="faq-item">
            <button
              class="faq-q"
              id="faq-btn-5"
              aria-expanded="false"
              aria-controls="faq-p-5"
            >
              <span>Who can I talk to about a bill?</span>
              <svg class="chev" viewBox="0 0 24 24" aria-hidden="true">
                <path
                  d="M6 9l6 6 6-6"
                  fill="none"
                  stroke="currentColor"
                  stroke-width="2"
                  stroke-linecap="round"
                  stroke-linejoin="round"
                />
              </svg>
            </button>
            <div class="faq-a" id="faq-p-5" role="region" aria-labelledby="faq-btn-5">
              <p>
                Our patient billing advocate, Dr. Lena Okafor&rsquo;s front-desk
                team, is available Monday–Friday, 8am–5pm. Reach them through
                your patient portal or the number on your statement.
              </p>
            </div>
          </div>
        </div>
      </section>
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