Today, people have a wide variety of choices in deciding what type of insurance to purchase. These policies provide varying amounts of reimbursement, and some (like HMO plans) restrict the services and doctors they will pay for.
Most policies (PPO and indemnity plans) allow the patient to choose their own doctor. Reimbursement varies, depending up the plan you have chosen. With PPO's, the patient has a right to select their own doctor, whether the doctor is "in-network" or "out-of-network" for their specific plan. The insurance will still provide for reimbursement, but the amount may vary depending upon the particular plan.
We have contracts (and are therefore "in-network") with the following companies:
- Blue Cross
- Blue Shield
- United Health Plan
- Health Net
- Beech Street
With these companies, you will just need to pay your deductible and co-payment at the time of service. We will bill and be paid the covered amount directly by your carrier.
For all other PPO's, we will submit your insurance claim electronically for you. These patients will be asked to pay the full amount of our charges at the time of service, and will receive reimbursement directly from your carrier, typically in 2-4 weeks.
We do not participate in any HMO plans. Some HMO's, however, also have a POS or "Point of Service" plan which allows you to go to a doctor of your choice, with a reduced benefit payment.
You should check with your carrier for specific questions regarding coverage.
We do accept Medicare patients. We, however, do not accept assignment of your Medicare benefits. Medicare patients will be asked to pay in full for their services at the time of service. We will then submit your claim to Medicare for you, and Medicare will reimburse you directly for the Medicare benefits which are due.
For your convenience, we do accept personal checks, Visa, and MasterCard.