Insurance & Billing

MetroDerm, P.C. is a participating Medicare provider and accepts most managed care insurance programs, many of which require members to pay an office copayment for each office visit.   Our office will request payment of the copay at the time of your visit and will then file a claim with your insurance provider for the balance.

Because our relationships with insurance providers can change from time to time, we recommend that you contact our office and your health plan directly to verify our participation in your plan.  It is important for us to have a record of your current insurance information, so we will ask for a copy of your ID card at each visit.

Below are answers to a few questions we receive frequently.   Please contact our office if you have other questions regarding insurance coverage or billing.

I see on your financial policy that you collect applicable deductibles, coinsurance and copayments at my visit.  What exactly does that mean?

Our office policy is to collect all financial responsibility from the patient before you leave our office.  That may be in the form of your annual deductible, a percentage of your visit that the insurance will hold you responsible for as coinsurance, or the flat fee copayment you pay at every visit.  The fees we collect are based on your insurance benefits that are verified before each visit and are calculated according to our individual payer contracts.

Do you offer free consultations?

We do not offer free consultations, but we are happy to bill your insurance for the office visit.  If there is no insurance, you will be responsible for the balance.

Do I have to pay a copay at my follow-up visits?

We require any applicable copays to be paid at each visit, regardless of the reason for the visit. This is also required by the insurance companies with whom we are contracted.  If it is determined, after submitting the claim to insurance, that no copay was needed, we are happy to refund the copay as long as there is no outstanding balance on your account.

I called my insurance company and they said my visit would be covered.  Why am I being asked to pay?

There’s a slight, but important terminology distinction here.  Covered does not equal paid.  Your office visit may be a covered benefit, but that does not mean your insurance company is going to pay for the visit.  When calling your insurance company, be sure to specifically ask them if they’re going to pay for the visit, or if the allowed amount will be applied to your deductible or coinsurance amounts.