Insurance and billing

We accept most major insurance plans, including Aetna, Cigna, EmblemHealth, The Empire Plan, GeoBlue and many others. Plan networks change often enough that the only reliable answer is a current one, so please call the office before your first visit and we will verify your specific plan.

Before your first visit

Call us with your insurance card in hand and we will check whether we are in network for your particular plan, not merely for the carrier. Carriers run many separate networks and being in network for one Aetna product does not mean being in network for all of them. We would rather confirm this in a two-minute phone call than have you discover it on a statement.

Bring your insurance card and a photo ID to the visit. If your plan requires a referral from a primary care physician, arrange that beforehand, since we cannot generate it for you.

Preventive visits and problem visits

This is the single most common source of surprise bills in gynecology, and it is worth understanding before it happens rather than afterward. Most plans cover an annual preventive visit in full. If, during that same appointment, you raise a problem that needs evaluating — heavy bleeding, pelvic pain, a suspected infection — the problem portion is generally billed separately from the preventive portion, and a copay or deductible may apply to it.

That is a billing rule set by insurers rather than a practice policy, and we are not going to refuse to discuss your symptoms in order to protect a billing code. We will tell you when a visit is heading in that direction so nothing arrives unannounced.

Self-pay

If you are uninsured or out of network, ask about self-pay rates when you book. We will quote the cost of the visit before you come in. Elective cosmetic services such as Morpheus8V are never covered by insurance and are quoted in writing in advance.

Questions about a bill

Call the office. Billing questions are better resolved by a person who can see the claim than by guessing from an explanation of benefits, and most of what looks like an error turns out to be a coordination issue between the practice and the plan that we can sort out directly.