Insurance and Payments

The Office accepts a number of health insurance plans. Participation with insurance plans changes periodically so it is recommended to contact the Office to verify participation with your particular plan. Insurance plans are agreements made between the patient and the insurer, and the Office cannot ensure that an insurance provider will pay for your care. While our staff would be happy to assist you with most insurance matters, problems related to your insurance coverage should be handled between you and your insurance company. It is recommended to contact your insurance company to learn the specifics of your coverage including its benefits, limitations and referral requirements. It is your responsibility as the patient to understand the types of coverage your health insurance provides, e.g. routine exams, and to be sure that you meet all requirements specified by your plan. Your health insurance provider will be able to inform you of your level of coverage and what, if any, co-payments, coinsurance and deductibles will be your responsibility. If you do not contact your insurance company, you can ultimately be responsible for all or a large portion of your bill.

It is the patient’s responsibility to provide accurate and up-to-date insurance information at every appointment. Failure to provide accurate information will result in being billed as self-pay along with being charged a processing fee.

Payment

Payment is expected at the time of service for all charges owed (co-payment, co-insurance, deductible) for the current visit as well as any prior balance. Forms of payment accepted at time of service include cash for co-payments and Visa or Mastercard for self-pay patients, deductibles or any balances. If you choose to use a Visa or Mastercard for your co-payment, a convenience fee will be added to the total charge. Personal checks are not accepted at time of service. Personal checks can only be used to pay bills that have been mailed to you.

Credit/Debit Card On File

All patients are strongly encouraged to have an active credit or debit card (Visa or Mastercard) on file to make the checkout process faster and more efficient. We will save your credit card information which will be held securely using our third-party, off-site payment processor (Heartland Payment System). The Office will charge the balance that you owe after processing your claim with your insurance company in order to confirm the patient responsibility. The Office will contact you by phone to confirm the remaining balance owed prior to charging the card. A voicemail message will be left if you are unavailable by phone. After charging the balance owed to your card on file, we will e-mail a receipt for the charge if we have an e-mail on file. In the case of a declined credit/debit card, you will be given 48 hours to provide alternative payment. If a payment is not made, an additional processing fee will be added to your bill and mailed to you. If you choose not to put a Visa or Mastercard on file, we will require a minimum deposit based on your insurance plan fee schedule to remain in your account at all times to cover any office visit balances. Please note if the amount owed per your insurance company is more than the amount collected and/or more than the credit available in your account, you will be billed for the difference.

Major Insurances Accepted

For a complete list of accepted insurance companies, please contact our office. NOTE: We do not participate with any Medicaid plans including combination plans. For more on insurance and payments, click here.

  • Aetna PPO & HMO (most plans including Innovation Health and QHP)

  • Anthem BCBS PPO plus all other BCBS PPO plans

  • BCBS Carefirst PPO

  • Cigna Connect

  • Cigna PPO & HMO

  • Coventry/Mail handlers/First Health/Southern Health

  • Healthkeeper PPO

  • Humana PPO

  • Medicare (with referring doctor)

  • Multiplan PPO

  • Provider Select

  • United Healthcare (most UHC plans including One net PPO, Geha, Options PPO, Optimum Choice)