Insurance Plans and Payment

Today’s health insurance policies and coverage offer more options (and confusion) than ever. Each patient is responsible for knowing his or her plan’s benefits package, co-payment, deductible, non-covered services and restrictions. Please be aware that as medical providers, our relationship is with you and not your insurance company. While our staff is happy to assist in most insurance matters, problems relating to your coverage should be handled between you and your carrier.

Many plans have participating or preferred providers. We currently participate with a number of insurance plans. This does change periodically. Therefore, you may wish to inquire with your plan benefits as to our participation with your particular plan. By signing the necessary forms at the time of your registration, we can file your insurance claims for you.

We participate in the following plans:
  • Aetna – all plans (HMO/POS/EPO/QPOS/MC/PPO)
  • American Medical Security (PCC)
  • BeechStreet
  • Benefit Planners
  • Blue Cross Blue Shield (Traditional/Bluechoice/Federal Plan)
  • CIGNA PPO (no longer accepting new CIGNA HMO)
  • Community Care PPO
  • Coventry
  • First Health
  • Great West (One Health Plan)
  • Healthchoice
  • Medicare
  • Pacificare PPO (Signature Options only)
  • PCC Select
  • PHCS (Private Health Care System)
  • PPO OK
  • Preferred Community Choice
  • Principal
  • Unicare (PCC/Ford Glass)
  • United Healthcare
We do not participate in the following plans:
  • Cigna HMO
  • Medicaid
  • SoonerCare
  • Heartland
  • Pacificare HMO
  • Community Care HMO
  • BlueLincs
  • Secure Horizons

If in doubt always contact your own health plan's customer service department. It is the patient’s responsibility to be informed prior to scheduling an appointment. If you are enrolled in a plan in which we do not participate (Medicaid or Pacificare, for example), you are fully responsible for all costs and charges for any service we provide you.

Alternative Medical Costs

We do provide non-traditional medical care (also called "Alternative Medicine" or "Integrative Medicine"), such as our medical weight loss programs. Such alternative medical services are not covered by medical insurance plans or Medicare. Therefore, these fees will not be billed to insurance companies. Fees for such non-traditional services are cash only and payable at the time of service; Visa and MasterCard are accepted.

Office Fee Schedule

Our office fee structure is based on guidelines developed by Medicare and the American Medical Association. Our office fees are reasonable, and our patients find their out-of-pocket expenses to be minimal. Thus, we expect all accounts to be paid promptly. We understand that medical expenses are frequently the least expected expenses and our billing department can arrange for a short payment plan for those unexpected bills.

All insurance plans usually require a co-payment by the patient that is DUE at the time of each visit, as it is cost prohibitive to bill for these amounts. The co-pay amount appears on your insurance card. We will collect your co-payment when you check- in for your visit. We will then bill your insurance plan. After the claim had been processed, we will send you a statement for any balance due from you. If your plan does not have a co-pay, we will file with your plan and send you a statement for any balance due.

For patients without insurance coverage or plans that we do not participate in, payment is expected, in full, at the time of services are rendered.

Medicare Participation

We list Medicare separately because it is such a complicated and confusing program. As participating providers, we accept Medicare’s allowable charges and write-off any non-allowed charges. Medicare pays 80% of allowable charges, excluding lab fees. The patient is always responsible for the annual deductible and the 20% co-insurance amount not covered by Medicare. Supplemental insurance plans (Medigap) pay for co-insurance and sometimes the deductible.

We file all your Medicare claims for services rendered in our office. Patients must not send their own claims to Medicare. Our reference lab will bill Medicare for all your lab tests it conducts. Please inform us if you have secondary (Medigap) insurance; Medicare may coordinate with or “cross over” to your secondary insurance carrier. If it does not cross over, we will file it for you (if we have the information). If there is a balance due, you will receive a statement.

Worker’s Compensation

We will see you for minor workers compensation injuries. We do require that we have pre-authorization from your employer before you are seen.

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