Understand your coverage

A deductible is the initial amount of covered health costs you pay before your insurance plan begins reimbursement. It is usually a set dollar amount, such as $250 or $500, but can be higher based on your policy. If your plan pays all but a deductible, you will be asked to pay an estimate of your portion at the time of service.

Co-insurance is your share of the cost of a healthcare service, usually a percentage of the total charge. You start paying co-insurance after you've met your plan's deductible. For example, if you've paid your $1,500 deductible and your plan covers 70% of a cost, you're responsible for the remaining 30%.

A co-pay is the portion of your healthcare expense not covered by insurance — the amount your insurer states is your responsibility for each service, due at the time of treatment. Your card may list separate co-pays for PCP, Specialist, Urgent Care, and ER visits.

We accept many health insurance plans, including Medicare, Medicare Advantage, HMO, PPO, and Managed Care plans. See our Insurance page for the full list of accepted plans, and call us if you don't see yours listed.

You are responsible for your co-pay, co-insurance, and/or deductible at the time of service. We bill your insurance company directly on your behalf, but you are ultimately responsible for ensuring your bill is paid. If a balance remains after your insurer issues payment or a denial, you will receive a bill due upon receipt. In certain circumstances, monthly payment arrangements are available — discuss this with our Billing Department.