Insurance
We accept most traditional insurance plans. Please contact our office to verify acceptance of your plan. Qualifications for insurance coverage may differ due to the uniqueness of each procedure. We are happy to file insurance for your reimbursement as long as you are free to choose your own dermatologist.
- Aetna - including Commercial and Medicare
- AmeriHealth Medicare/Exchange
- Cigna
- Delaware First Health Medicaid
- First Health
- Highmark BCBS
- Humana
- Tricare Humana Military
- Delaware Medicaid
- Medicare
- Medicare Railroad
- Multiplan/PHCS
- UHC - may include Optimum Choice and Oxford among other plans
Payment Options
We accept checks, cash or credit cards. We also offer a flexible payment plan. Please see our Financial Coordinator for details.
Billing
Understanding Your Health Insurance and Billing
Thank you for trusting us with your care! We understand that getting a medical bill after a visit can be confusing. This information outlines why you may receive a bill even after your way insurance has been submitted for services.
Common Reasons You May Receive a Bill:
1. Deductible Not Met
Your insurance plan has a yearly deductible the amount you
must pay out of pocket before insurance starts to pay.
Example: If your deductible is $1,500 and you haven't met it yet, you are responsible for paying the full cost of the visit until that amount is reached.
2. Copayment (Copay)
Some insurance plans have a fixed fee you pay for certain services (like doctor visits or urgent care). We do our best to collect copays at the time of your visit. If your copay is $30 for ex, and it wasn't collected at the time of the visit, you will be billed later.
3. Coinsurance
After meeting your deductible, you may still owe a percentage of the bill. This is called coinsurance.
Example: If your plan pays 80% of the cost, you are responsible for the remaining 20%.
4. Service Not Covered by Insurance
We will do our best to not offer services that would be out of pocket to our patients; however, every insurance coverage is different and impossible for us to understand the nuances of each. If you are unsure about coverage, please contact your insurance to review prior to starting any treatment regimen.
Review your Explanation of Benefits (EOB): This shows what your insurance paid and what you may owe.
Call your insurance: If you're unsure why something wasn't covered, they can help explain.
5. Out-of-Network Provider
If you received care from a provider not in your insurance network, your plan may not cover all (or any) of the charges.
Tip: Always check with your insurance company before your visit if you're unsure about network status.
6. Insurance Denied the Claim
Sometimes claims are denied due to:
- Incorrect or missing information
- Expired insurance
- No referral or prior authorization
We will work with your insurance to correct these, but you may receive a temporary bill until it's resolved.
If you have any Billing Questions, refer to the following contact:
Sue Gardner: [javascript protected email address]
Kayla McGovern: [javascript protected email address]
Phone: (888) 541-9232
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