Insurance Plans Accepted
We accept most major health insurance plans including but not limited to the following:
- Aetna
- Blue Cross/Blue Shield
- Medicare
- HealthPartners
- Priority Health
- Preferred One
- Cigna
- Humana
- Physicians Health Plan
- Carefirst
- Anthem
- Tricare
- Cigna Pathwell
We do not take any form of United Healthcare and we do not accept any Medicaid plans.
If you do not see your plan listed, please contact us. At the time you schedule your appointment, please confirm with us that your specific insurance plan is accepted.
Understanding Your Health Insurance: Deductibles vs. Out-of-Pocket Maximums
Since Caitlin and Leyla are both nurses, we understand that health insurance can be confusing. We always strive to have the insurance company pay the largest portion allowed. It reduces the burden on our patients and, to be honest, it takes less time for our staff. When we have an amount due after we collect a payment from the insurance company, we have to either bill the Co Pay Program or generate an invoice for our patient, email it, follow up, and then enter in the payments in our billing system. It’s a hassle!
The amount that a patient has to pay out of pocket can come from either a deductible or from their out of pocket maximum. But what are they exactly and what is the difference?
Deductible
The deductible is the amount you must pay for covered healthcare services before your insurance starts to pay. For example, if your deductible is $1,000, you’ll need to pay that amount in full, then the insurance company will start to pay their portion.
Out-of-Pocket Maximum
This leads to the out-of-pocket maximum which is the most you will have to pay for covered services in a plan year. The out-of-pocket maximum includes your deductible, as well as copays and “coinsurance”, which is a fancy term for the amount the insurance company wants you to pay.
Once you reach this limit, your insurance will cover 100% of your covered medical expenses for the remainder of the year.
Unfortunately, we cannot control what they do or do not pay for and we cannot control where to assign the patient responsibility. But, in order to support our patients, we do offer a few solutions. First, if your medication has one, we make sure you are enrolled in any Co Pay Programs. Most pharmaceutical companies offer financial assistance up to a certain dollar amount. It is important to note that most companies will only cover the cost of the medication. So if the insurance company does not cover a portion of our infusion supplies or the nurse time, you will have to pay that.
If your medication does not have a co pay program, or your amount due is over $250, we do offer payment plans as well. We know that you need your medication and we try our best not to delay treatment.
Have more questions? Please do not hesitate to ask us!
