The Center contracts with many insurance companies;
however, it is very important to understand that
benefits vary greatly from one policy to the next.
Our financial coordinator is available to help you
with insurance issues, but you can your own best
advocate by making sure that we always have current
insurance information. The Center accepts the
following plans as well as many others:
-
Aetna
-
Cigna
-
Blue Cross/Blue Shield
-
Tricare
-
PHCS
If your plan is not listed above, call our office to
ask if the Center is a participating provider.
The
Center will bill your insurance company if we are a
participating provider. If we do not participate
with your insurance company, we will provide you
with the necessary information so that you may
submit claims and obtain reimbursement. It is
imperative that you understand your insurance
coverage. You must review your policy and
understand what is covered and what is not covered.
You should review your EOB’s when you receive them
and speak to the Center’s financial counselor when
questions arise. We will do our best to ensure that
you receive the maximum coverage to which you are
entitled; however, you must remember that the final
responsibility for your account is yours.
Participating insurance: Even if you have a
participating insurance company, coverage will vary
from one policy to the next. For example, you may
have coverage for infertility testing but not for
treatment. There may be a dollar maximum amount for
infertility or a limit on the number of treatment
cycles that are covered.
All managed care plans (HMO’s) require referral
numbers from the primary care physician before a
patient can be seen by the Center’s physician. It
is always the patient’s responsibility to obtain the
referral number—the Center will not assume this
responsibility. HMO patients who fail to obtain a
referral number and present it to the receptionist
prior to seeing the physician will be required to
sign a waiver and pay at the time of service or to
reschedule their appointment.
Non-participating insurance: You may have a
non-participating insurance company which provides
out of network benefits. If you have coverage for
infertility, your claims will be reimbursed at a
lower percentage, hence making your share of the
cost higher than if you had coverage through a
participating insurance company.
