Fees and Insurance
Fees are payable at the time of your office visit unless other arrangements are made in advance of your examination. All copays, deductible and/or co- insurances are collected at the time of service. We accept all major credit cards and personal checks for office visits.
Please be advised that some telephone consultation calls for medical management issues after business hours or during business hours may be billed for a service fee.
Effective June 1, 2014: All appointments not cancelled within a 24 hour notice are subject to a $75 fee.
Our office does not participate with Medicare. We do, however, participate in several managed care plans and preferred provider plans. If you are a beneficiary or a member of a plan we do not participate with, your paid receipt will provide you with a detailed statement of services, charges and diagnosis so that you may file a claim with your carrier for personal reimbursement.
If you require surgery, our surgery coordinator will give you a call to discuss your insurance coverage in advance of your procedure. A deposit may be required prior to your procedure. As a patient receiving services in our care and regardless of your health insurance plan coverage, you are fully responsible for all non-covered services, copay’s and deductibles.
Our trained staff members are available to answer any questions you may have regarding your insurance coverage or our fee schedule. Please do not hesitate to discuss your concerns with us.
Please contact our Business Office representatives prior to any office procedure or outpatient surgery to review your financial obligation and insurance coverage.
Accepted Insurance Plans
For your convenience, we have provided links to the Insurance companies for which we participate with so you can easily check your benefits and claim status. Please call us so we can discuss your particular insurance concerns. You can reach the billing department by telephone. Thank you!
Accepted – Health Insurance Plans
- AETNA- PPO, POS, CHOICE POS II, State of IL OAP
- AETNA OPEN ACCESS
- ALLIED BENEFITS
- ASSURANT HEALTH
- BEECH STREET
- BLUE CROSS BLUE SHIELD- PPO, (BCBS Blue Options, CTY, EPO)
- CIGNA- PPO, POS, HMO
- COFINITY- PPO
- GALAXY- PPO
- GREAT WEST- PPO, POS
- HUMANA- PPO, POS
- PHCS- PPO, POS
- PHCS SAVILITY- PPO
- UMR/FIRST HEALH – PPO
- UNITED HEALTHCARE- PPO, POS, Navigate, Core, Golden Rule, Select Plus, Oxford Freedom
HEALTH INSURANCE PLANS – DO NOT ACCEPT
- All Medicare Advantage plans
- Aetna HMO- State of IL HMO
- Aetna Advantage
- Aetna – Metallic options- Platinum/Gold/Silver/Bronze
- Aetna Premier Plus
- Aetna SAVINGS PLUS – Aetna Value Performance Network
- Aetna ONE PREMIER- APCN
- Blue Cross Blue Shield Blue Choice Preferred – PPO, POS, HMO, BCE
- Blue Focus Care HMO, Blue Care Direct HMO, Blue Precision HMO
- Cigna Connect HMO/ Illinois Connect, No Metallic Options
- Coventry- State of Illinois HMO, (Coventry PPO State of Illinois OAP)
- Coventry Health Care – HMO/POS, PPO, Advantra- Coventry One
- Harken Health
- United Healthcare – Compass, Medica
- Tricare (Veterans Insurance)
Introducing our new Navicure E statements
Paying Your Medical Bills Just Got Easier. Our practice has implemented e-statements. This will allow you to receive a secure electronic statement, via email or text. You will be able to pay your outstanding balance or bills via private, secure communication. Please indicate your preference at the time of your next visit.
Take advantage of this opportunity to help our environment “GO GREEN”.
UNITED HEALTH CARE
Attention United Healthcare Members, Effective April 15th, 2014, All our providers participate and will be in network with United Healthcare PPO & POS. Please we are NOT in network for United Healthcare Core.
Ultrasounds for United Health Care Patients:
We are pleased to announce Ultrasound services for United Health care patients. You can now schedule your next ultrasound appointment at our office.
Please ask one of our staff to schedule your next appointment.
Insurance and Your Obstetrical Care
We are happy to assist you in any way that we can in billing our charges for your obstetrical care and delivery to your insurance carrier. You must realize that you need to be aware of your own insurance benefits as not all carrier coverage are the same. Our Obstetrical Coordinator will meet with you early in your pregnancy to explain the charges and global billing.
If we provide your complete care and delivery, we will be charging a “global obstetrical fee” after delivery. This fee includes your 14 routine visits to the doctor during your pregnancy, our charges for delivery of the baby, and your routine postpartum visit. Any additional visits beyond 14 visits will be billed to your insurance company and are your responsibility. The hospital and anesthesiologist will bill their charges separately to you and/or your insurance carrier. Any other services we provide, including ultrasounds, lab tests, non-stress tests, amniocentesis, etc are outside of the global fee and are charged separately. If you change insurance carriers or providers of medical care during your pregnancy, we will have to bill by itemized service performed, rather than a global fee.
Ultrasounds that are billable to your insurance company are done for medical necessity, not for determining the gender of your baby, or for entertainment purposes. As always, please feel free to clarify any questions and concerns you may have by contacting our OB Coordinator at 312.291.7287 and/or any billing representative.
Click Here to Download the Billing Policy/Maternity Insurance Form
What is “global billing?”
Global billing is most common in obstetrical (OB) care, but can also apply to other non-OB services. It is a billing method used by most insurance companies which includes office visits related to pregnancy, physician’s charge for delivery and one six week postpartum visit. The “Global Charge” is billed to your insurance by our office at the time of delivery and the hospital will bill separately. Anything above and beyond your antepartum visits and delivery including, but not limited to ultrasounds, blood draws, sick visits, lab and pathology services, fetal non-stress tests, amniocentesis, etc will be billed outside of global and deductibles and/or co-ins may apply.
Global billing applies to all pregnancies when you have the same insurance throughout the entire pregnancy and when you see only WGNW providers throughout the entire pregnancy. If you have changes in insurance coverage or if you transfer care to or from our office, global billing no longer applies.
What is an “OB Deposit?”
All patients with verified COMMERCIAL insurance are required to pay a deposit based on insurance benefits. The deposit is due in full or in four monthly installments. The first payment is required at your initial visit. The final installment is due by the first day of your seventh month. After you deliver, the office will bill your insurance for the physician’s delivery charge and global fee. Whatever amount your insurance does not pay, we will use your deposit to pay off your account and then refund any necessary balance.
All patients that are SELF PAY are required to pay the cost in full prior to your delivery. This can be broken down into four installments or paid in full. During your initial Obstetrical visit, you will meet with our Obstetrical Coordinator to set up a payment plan. Payment is required in full by the 25th week of pregnancy or four monthly installments automatically deducted from your Preferred Credit Card on file.