Insurance Information
Understanding your healthcare coverage and navigating insurance can be complex. We're here to help make it easier.
Verify Your Insurance
Enter your insurance information below to verify your coverage and check if your provider is in our network.
Accepted Insurance Providers
Blue Cross Blue Shield
Accepted Plans:
Member Services: 1-800-555-1234
UnitedHealthcare
Accepted Plans:
Member Services: 1-800-555-3456
Cigna
Accepted Plans:
Member Services: 1-800-555-4567
Humana
Accepted Plans:
Member Services: 1-800-555-5678
Understanding Your Insurance
Common Insurance Terms
Premium
The amount you pay to your insurance company for your health plan, usually monthly.
Deductible
The amount you pay for covered healthcare services before your insurance plan starts to pay.
Copayment (Copay)
A fixed amount you pay for a covered healthcare service, usually when you receive the service.
Coinsurance
The percentage of costs you pay for a covered healthcare service, after you've paid your deductible.
Out-of-Pocket Maximum
The most you have to pay for covered services in a plan year. After this amount, your insurance pays 100%.
Network
The facilities, providers, and suppliers your health insurer has contracted with to provide healthcare services.
Types of Health Insurance Plans
HMO (Health Maintenance Organization)
HMO plans typically require you to choose a primary care physician (PCP) who coordinates your care. You'll need referrals from your PCP to see specialists, and services are generally only covered if you use providers in the HMO network.
Best for: People who prefer lower premiums and don't mind having a PCP coordinate their care.
PPO (Preferred Provider Organization)
PPO plans offer more flexibility in choosing healthcare providers. You don't need to select a PCP or get referrals to see specialists. You can see providers outside the network, but you'll pay less if you stay in-network.
Best for: People who want more provider options and don't mind paying higher premiums for flexibility.
EPO (Exclusive Provider Organization)
EPO plans combine features of HMO and PPO plans. Like a PPO, you don't need a PCP or referrals. Like an HMO, you're only covered for care within the network (except in emergencies).
Best for: People who want the freedom to see specialists without referrals but are comfortable staying within a network.
Frequently Asked Questions
What insurance plans do you accept?
We accept most major insurance plans, including those from Blue Cross Blue Shield, Aetna, UnitedHealthcare, Cigna, Humana, and Kaiser Permanente. We also accept Medicare, Medicaid, and Tricare. Please contact our billing office to verify if your specific plan is accepted.
How do I know if my procedure is covered by my insurance?
Coverage varies by insurance plan. We recommend contacting your insurance provider directly to verify coverage for specific procedures. Our billing office can also help you understand your benefits and provide cost estimates based on your insurance plan.
Do I need a referral to see a specialist?
Referral requirements depend on your specific insurance plan. Many HMO plans and some PPO plans require a referral from your primary care physician before seeing a specialist. Check with your insurance provider about their referral policy or contact our office for assistance.
What is the difference between copay, deductible, and coinsurance?
A copay is a fixed amount you pay for a healthcare service. A deductible is the amount you pay before your insurance begins to cover costs. Coinsurance is the percentage of costs you pay after your deductible has been met. These amounts vary by insurance plan.
What if I don't have insurance?
We offer self-pay options and financial assistance programs for patients without insurance. Our financial counselors can work with you to create a payment plan or determine if you qualify for any assistance programs. We believe everyone deserves quality healthcare regardless of insurance status.
Need Help with Insurance?
Our billing specialists are available to answer your questions about insurance coverage, benefits, and financial responsibilities.