Insurance & Billing
Our physicians participate with most local health insurance plans. Please call our office to verify your specific plan’s requirements. Your plan may require pre-authorization or a referral to see a specialist. We will file the insurance claim for you. You are responsible for any deductible and co-pay/co-insurance. Co-pays are expected at the time of service.
Participating insurance plans include:
- AARP Medicare Complete
- Aetna HMO and PPO Products
- Anthem BCBS and FEP
- Anthem Healthkeepers
- Anthem Healthkeepers Plus
- Coventry Healthcare
- Innovation Health
- MHBP Mailhandlers
- Meritain Health
- Optimum Choice
- Optum Care
- Tricare Select, Reserve Select, Prime
- Tricare for Life
- United HealthCare Products (except Secure Horizons)
- VA Medicaid (no out of state products)
- VA Medicare (including Medicare Advantage Plans)
- VA Premier
- VA Workers Compensation
- Virginia Health Network – VHN
- Veteran’s Affairs VA Medical
At this time, we do NOT participate with:
- Anthem MediBlue Dual Advantage HMO SNP
- Cigna Connect/Cigna Healthsprings
- Intotal Health/Care Net Medicaid
- MWHC and SRMC Charity Care Programs
- Optima Medicaid
- Out of State Medicaid
- UHC Secure Horizons Medicare
Patients with Insurance: By Federal Law and Managed Care Contract Law, this office is required to collect co-payments/co-insurance at the time services are rendered. Penalty for not following this requirement could result in the termination and cancellation of medical coverage for the patient.
Patients with a deductible are required to make a deposit at the time of service.
Patients are responsible for obtaining required referrals. Patients will be required to sign a waiver for any non-covered services and will be responsible for the resulting balance.
Patients without Insurance: Payment for estimated charges is due at the time of service by cash, check or credit card. A discount of 30% will be applied to accounts paid in full within 30 days of the date of service. Payments may be extended up to 90 days for extensive procedures with the approval of our billing department and office manager.
CAF does not have a charity care program at this time. However, we do accept referrals from the Moss Free Clinic and Guadalupe Free Clinic.
Returned Checks: There is a $25.00 fee for any check returned by your bank.
Please be advised that failure to have your account paid in full within 90 days may result in dismissal from our practice. Accounts over 90 days old are considered delinquent and may be turned over to collections. Patients will be charged an additional 33 1/3% of the balance due in addition to the delinquent balance.
If you have any questions regarding your specific insurance or a patient account, please contact one of our Billing Specialists at 540-899-3144.