Financial FAQs

What if you do not participate in my insurance plan?

Payment is required at the time of service. We accept MasterCard, Visa, American Express and personal checks. As a courtesy, we will submit your claim to your insurance company for your reimbursement if you supply us with the necessary information.

I have Medicare as my primary insurance. Do you accept the Medicare?

All our physicians participate in Medicare and accept assignment. “Accepting assignment” means that we accept the approved Medicare charge and will only bill the patient for the yearly deductible and the 20% Medicare does not pay. Many patients have secondary insurance coverage for the 20%. If you supply us with the secondary payer information, our office will send the secondary payer a claim. However, the patient is ultimately responsible for the 20% and/or the deductible. Some secondary insurance coverage through managed care companies requires a referral at the time of the visit for payment of the 20%. Be sure and check with your secondary payer as to their rules prior to your visit to our office.

Why do I have to give the office my insurance card every time I visit the doctor?

In the past, the enrollment period for insurance coverage was January 1st of each year. Now, many employers and patients change insurance coverage at various times throughout the year. Many patients are not aware that they have new coverage. Therefore, to ensure that your insurance processes your claims and provides benefits, we have instituted a policy that all patients must show us their insurance card prior to their visit.  You may also fax the front and back of the card to our offices if you prefer. Please be sure to show all insurance information available.  Should you have an additional insurance policy for your new visit, you must disclose it.

Why do I have to pay my co-pays at the time of service?

Co-pays are required by your insurance company at the time of service. They may range from $5 – $100 and it is the patient’s  responsibility as established by your insurance policy.  You are welcome to make your co-pay with cash, check or credit card (MasterCard, Visa and American Express).

If I have a question regarding my bill, who do I call?

Our billing office is at our 245 East 54th Street location and is staffed by three full-time and one part-time employee. Please feel free to call or email us regarding any billing issues that you may have.  We are available during normal business hours, Monday through Friday, 9am to 5pm.

Does my insurance pay for in-office procedures?

Many insurance plans pay for in-office procedures. Managed care plans can be more restrictive and each patient is responsible for contacting their insurance company if they have a question about a specific procedure. Our office staff can help you with this, if necessary.  If procedures require special authorization we will help obtain it.  Please note that insurance rules and requirements vary, so you need to verify what applies to your particular policy.  Note that your insurance may cover some office procedures after deductibles are applied some of the fee may be billable to you.