insurancePatient Payments

The patient is responsible for any co-payment, deductible, co-insurance and/or cosmetic service fee on the day of your visit.

Our office accepts payment in the form of:   Cash, Checks, Visa, Discover, and Master Card.

Patients also have the option of using CareCredit, a monthly payment plan for medically necessary services exceeding $200.   We do not accept CareCredit for cosmetic treatments.  Please apply at least two weeks prior to your appointment.  You will need two forms of ID as well as the CareCredit card when paying for your services.  This payment must be made in-person per CareCredit’s financing guidelines.

To learn more about CareCredit and the application process, you can visit http://www.carecredit.com/apply/

 

Health Insurance Plans

 Dermatology Associates of Western Pennsylvania accepts most major HMO/PPO insurance plans including:   Highmark Blue Cross Blue Shield, UPMC, Cigna, United Health Care, Aetna, Health America/Advantra, Medicare, and Tricare.

We do not currently accept any medical assistance programs as either primary or secondary insurances.  These include, but are not limited to, Medicaid, Gateway, UPMC  for You, Unison, and MedPlus plans.

Occasionally, an HMO-type plan may require a referral prior to your visit with our specialists.

If a biopsy is taken for treatment or diagnosis purposes, your insurance will be billed separately from the pathologist for their professional services.

Please note, we cannot guarantee that a service will be covered by your particular plan.  While our staff will try to assist with questions, it is your responsibility to know the requirements of your individual insurance program.   When in doubt, we highly recommend contacting your insurance carrier prior to your appointment.

Patients without medical insurance can be seen on a fee-for-service basis.


Insurance Billing Explanation

Your insurance will be billed a physician professional fee and/or for any procedures performed during your visit.

Co-Payment
Most insurances require a co-payment.  This is the patient’s responsibility and will be collected the day of your service.

Deductible
Most insurances have annual deductible requirements of varying amounts.  These deductible amounts reset at the beginning of the calendar year.  A patient must pay for professional services out-of-pocket until that deductible amount is reached.  Once a deductible is met, a patient’s medical insurance will pay towards remaining physician services and medically necessary procedures.

Co-Insurance
Most insurances also require a co-insurance after the annual deductible is met.  The patient is financially responsible for a portion of medical services provided.  This amount is usually listed as a percentage that the insurance covers versus the percentage that the patient covers.  Common divisions of insurance/patient responsibilities are 90%/10%, 80%/20%, 75%/25%, and 70%/30%.  The division of these percentages varies plan by plan, so patients are encouraged to contact their insurance carrier with questions.

 

Questions Regarding Your Bill

Should you have a question regarding your invoice, please contact our Medical Biller.
Call: 412.262.1064 select prompt 1, followed by prompt 4