Insurance Questions
Q. WHAT INSURANCE COMPANIES DO YOU ACCEPT?
A. We accept most Insurance companies including the following:
Insurance companies that are in bold letters require an authorization (referral) for your visit to our office. This authorization needs to be sent to our office before the day of your appointment by your primary care physician. Remember, you are responsible for any deductible, co-insurance or other balance not covered by your insurance company
- Aetna
- Aetna HMO
- Beech Street
- Blue Cross and Blue Shield of NC
- Cigna Healthcare
- Cigna Healthcare HMO
- First Health
- Health Care Savings
- Mamsi Life & Health
- Medcost
- Medicare
- Medicaid (not accepting any more new patients)
- Private Health Care Savings (PHCS)
- Travelers Railroad Medicare
- Tricare (Champus)
- Tricare Prime
- United HealthCare of NC
Q. WHAT IS CO-PAYMENT?
A. A co-payment is a flat fee that your insurance company has determined is due from, you, the patient at the time of each office visit. It can also, depending on your insurance, apply to x-rays and other outpatient surgical procedures.
Q. WHEN AM I EXPECTED TO MAKE MY CO-PAYMENT?
A. Your co-payment is due when you check-in for your office visit.
Q. WHAT IS CO-INSURANCE?
A. Co-insurance is the amount you are required to pay for medical expenses usually after you have met your annual deductible. The amount is usually expressed as a percentage. For example if your insurance pays 80%, you pay 20%.
Q. WHAT IF MY DEDUCTIBLE HAS NOT BEEN MET AND I HAVE AN APPOINTMENT WITH YOU? WHEN DO YOU EXPECT ME TO PAY MY PORTION OF MY CHARGES?
A. If your deductible has not been met, we will expect payment at time of service. We will file your insurance if we are participating with your insurance so that they will apply your visit to your deductible.
Q. HOW WILL I KNOW IF MY INSURANCE REQUIRES A REFERRAL?
A. We have a list of all insurance companies that we participate with and, to the best of our knowledge, if a referral is required for your visit. The best way to know is to call your insurance company. You will want to make sure that your referral is in place before your visit. We will have to reschedule your visit if you require a referral and our office have not received it.
Q. I DO NOT HAVE MY INSURANCE CARD, WHAT SHOULD I DO?
A. Unfortunately, you will need to have your current insurance card with you and present it at the time of each visit with us. If, for any reason, your card is lost or stolen, please do not hesitate to call your insurance company for a duplicate card to be sent to you.
Q. DOES YOUR FACILITY PARTICIPATE WITH MY INSURANCE COMPANY?
A. We participate with Medicare and most major insurance plans. Please review our list of participating insurance companies.
Q. IF YOU DO NOT PARTICIPATE WITH MY INSURANCE COMPANY WILL YOU FILE ANY OF MY SERVICES?
A. We will file for surgical procedures done in our office or at the hospital. We will also file for x-rays done in our office. Again, if your deductible has not been met you will be responsible for payment prior to having your procedure.
Q. WILL YOU FILE FOR ELECTIVE PROCEDURES?
A. No. All elective procedures must be paid in full to the Business Office prior to having surgery scheduled.
Q. IF MY INSURANCE DENIES PAYMENT, CAN PAYMENT ARRANGEMENTS BE MADE?
A. Yes. Please contact our Business Office for further discussions regarding payment arrangements.
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