As a courtesy we will verify insurance coverage for all of our patients. We will also bill your insurance company on your behalf and only collect the amount deemed your responsibility by your insurance plan. This will include payment for any copayment at the time of service and for any deductible/coinsurance or non-covered services determined by your policy with the insurance company.
The verification we receive from your insurance plan is not a guarantee of benefits. We recommend that you also verify your therapy benefits with your insurance company prior to your first appointment and let us know if there are inconsistencies with the coverage quoted.
What is co-insurance?
Co-insurance is a form of medical cost sharing that requires an insured person to pay a stated percentage of medical expenses after the deductible has been met.
What is a deductible?
A deductible is a fixed dollar amount during the benefit period that an insured person pays before the insurance company starts to make payments for covered medical services.
What is a co-payment?
A co-payment is a per-person, per-visit amount that you are expected to pay before your insurance company begins covering the cost of your care. The provider of care is directed by the insurance company to collect the co-payment from the patient prior to treatment.
How do I know if I have a co-payment?
If you have a co-payment, it will often say so on your insurance identification (ID) card. Other information sources are your insurance benefit booklet, your insurance company’s customer service department (number often listed on the back of your ID card), or your employer’s Human Resources Department.
Why do I have a co-payment?
The required co-payment amount due by the patient is based on the contract you have with your insurance company, chosen by you or your employer.
How do I make a copayment?
Co-payments are required to be paid at each visit. For your convenience, co-payments may be made using cash, check, or credit card.
There will be times that your physician gives you a specialized blood test or lab order. It is the responsibility of this office to give you as up to date information that we have on the current cost of the test. However, with the average number of insurance plans being over 100, it is impossible for us to know exactly what your responsibility will be for these tests. It is your responsibility as a patient to be proactive and to speak to these labs prior to the test to find out what your coverage with your individual insurance plan may be. This office is NOT responsible for your potion of any of these tests, nor do we have any “power” over the labs that we send to. The doctor chooses the labs based on the data they are supplying and the results they are looking for in the patients particular case.
We are providing the phone numbers below to labs that we use for different tests. If you have been prescribed one of these tests, please call the lab with your insurance to find out your cost, if any, may be passed down to you. We suggest that when you call, you get a contact name and reference number for your files. We suggest calling the labs first, as compared to the insurance company because the labs will know what insurances cover as compared to giving codes to your insurance company.
Quest Labs: 800-488-8890 www.questdiagnostics.com
Lab Corp: 800-845-6167 www.labcorp.com
Genova Diagnostics: 800-522-4762 www.gdx.net
Sanesco: 866-670-5705 www.sanescohealth.com
Diagnos-Tech: 800-878-3787 www.diagnostechs.com
Vista: 352-536-9270 www.vista-clinical.com
Boston Heart: 877-425-1252 www.bostonheartdiagnostics.com