Accepted insurance providers:
- Adventist – Informed
- Aetna – PPO
- Aetna – HMO
- Assurant Health
- BCBS/Commercial/Federal National
- Johns Hopkins Healthcare
- John Hopkins Healthcare Medicare Advantage
- Oxford – UHC
- Priority Partners
- United Healthcare
Comprehensive Primary Care physicians participate with Medicare and most insurance plans. Participation varies as changes occur within the insurance industry. Please check with our receptionists to confirm if we participate with your insurance plan.
For your convenience, we will file your primary insurance claims if you provide us with the correct billing information. We ask you to pay the deductible, co-insurance, or co-payment at the time of service. We accept Visa, MasterCard, Discover, cash, and checks.
New Payment Policy
We will collect $100.00 up front for patients who have medical insurance policies with deductibles. If you are unsure about your policy, you should call your insurance to find out whether your policy has a deductible and what the deductible amount is. The only exception to this rule is Annual physicals. (Please check the date you had your previous annual physical under this plan and how often your plan allows it.)
What Is a Deductible?
An insurance deductible is a dollar amount to be paid out of pocket by you and your other family members in your medical insurance policy for medical expenses, such as doctor visits, medical procedures, and/or hospitalization, before the policy will start paying us for your visit and any procedure ordered during the visit to our office.
Why Do We Collect It Today?
Unless you have met your annual deductible, the $100.00 amount to be collected today is part of your out of pocket expense related to today’s visit and ultimately towards decreasing the total deductible for the current year. If you can show us that you have met your deductible, then we will not need to collect the $100.00 up front. We will collect $100 for every visit until your deductible is met.
Commercial insurance and Medicare providers have contracts (i.e., legally binding agreements) to provide health insurance to employers and employees-and now, under the Affordable Care Act, to individuals as well.
Commercial insurance providers charge a premium for that health insurance. The employer, employee, and/or individual pays that premium.
The health insurance contract establishes mutually agreed-upon deductible and co-payment amounts for both in-network and out-of-network providers.
Typically, the contract also establishes a financial incentive for beneficiaries to use in-network providers as well as a financial disincentive to use out-of-network providers.
Because this is a contract-which, again, is a legally binding agreement with an employer or individual-if a provider comes along and decides to unilaterally waive patient deductibles and co-pays, then the provider is reducing the covered person’s contractual financial obligation.
So, by waiving deductibles and copays, the provider is interfering with the employer’s and/or individual’s contract with the insurance carrier-and that puts the provider at risk of being sued for damages.