Accepted Insurances

It can be uncomfortable to talk about our health in terms of cost, but we must. Health insurance is becoming more complex and confusing. So, it can be hard to keep up!

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Often our healthcare is paid through a combination of insurance reimbursement (the portion paid by our insurance) and direct out-of-pocket responsibilities (the portion paid by us as individuals).

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“In Network” vs. “Out of Network” 

• Your insurance coverage and benefits are a contract between you and your insurance company. Therefore, all disputes must be handled between you and your insurance company

• We are contracted with insurers to accept assignment of benefits. If you have insurance coverage under a plan with which we do not have a contract, you will be treated as a “Out of Network” patient.

• We are required to file with your primary insurance carrier only. As a courtesy to our patients, we will file a claim with your secondary insurance. The medical insurance you supply to our office must be accurate and up to date

"Deductibles" are a set dollar amount that must be spent by us before our health insurance will begin to cover expenses. For example, if you have a $500 deductible, your insurance requires you to spend $500 on your healthcare first. Only after you have spent this amount will they begin to pay for services. Be aware, plans with low deductibles often have higher monthly premiums while plans with high deductibles often have lower monthly premiums. 

"Copays" are a fixed dollar amount you pay for your healthcare services. For example, an office visit may cost $50, but if you have a copay of $20, you will only ever pay $20. 

"Co-Insurance" is a certain percentage of cost you pay for your healthcare services. For example, if you have a health plan with 20% co-insurance, then you would pay $10 for an office visit that costs $50. 

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