Insurance & Payment
The insurances we do take are as follows:
- United Healthcare
- Aetna
- Cigna
- Medicare
- GHI
- Amerihealth
- QualCare
- Oxford
- Horizon/Anthem Blue/Empire BCBS
- 1199 Seiu National Benefit Fund
- All Locals Insurance
- Coresource
- Great West
- Healthfirst
- Emblem Health
- APWU Health Plan
- MagnaCare
- Meritain Health
- UMR
- Tricare for Life
Health Plans and Financial Policies
We work to make our services as affordable and accessible to as many people as possible. In keeping with this philosophy, we participate in a variety of insurance plans and we consider new options regularly. It is important that both participating parties, you and our office, follow the guidelines and requirements of these plans. We request that you bring your insurance card(s) each time you visit and that you notify us as soon as possible regarding any changes to your coverage. If your plan includes a co-payment, you will be asked to make the payment at the time of your visit. Also, we do not notify you of any changes to benefits in your medical plan. This information is provided to you directly from your health insurance carrier. It is important for you to review the specific benefits under your plan. If your health insurance is through your employer, your Human Resource Department is also a resource regarding questions on your medical benefits.
Hospital Care and Surgical Fees
All hospital care, hospital-based surgery and in-office surgery will be billed directly to your insurance carrier. When scheduling elective surgery or admissions, we will try to verify your insurance coverage in advance. Any deductibles, co-payments or non-covered services are your responsibility.
If you do not have insurance or if your plan includes a large deductible or other patient payment responsibility, we will request a deposit at the beginning of your prenatal care, or prior to surgery, and arrange a reasonable payment schedule to cover the balance. If there are unusual financial circumstances, please discuss this with Eileen at the office. We can assist you with obtaining reduced fees or no-cost care at Saint Barnabas Medical Center and local radiology offices. We will make every effort to work out an acceptable agreement.
In-Office Procedures
Pap smears, in-office biopsies and any tissue removed during surgery will be submitted to a pathologist for examination. The laboratory processing fee and fee for pathology services will be sent to you or your insurance company directly by the reference lab. This is the same for any other samples sent to a laboratory for testing. Your insurance plan may specify which laboratory must be used for tests covered under your medical plan. Our office will submit these tests to the appropriate reference lab. If you receive a statement from the reference lab, please contact the customer service number on your statement. If you have any questions regarding payment or denial from your insurance plan for testing processed at our office, please call the office.
