Our providers accept most insurance coverages. We’d like to remind you that it is the patient’s responsibility to understand their benefits. Below you’ll find a list of common insurance terms.

• Copay: This is a fixed amount determined by your insurance that is due at the time of your visit. This amount is usually not subject to the deductible, commonly applies to your out of pocket maximum (OOP) 

• Deductible: The amount you pay for covered health care services before your insurance plan starts to pay. For example, with a $2,000 deductible, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest. This typically does not apply to your annual exams. 

• Coinsurance: The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible. Let's say your health insurance plan's allowed amount for an office visit is $100 and your coinsurance is 20%. If you've paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest. If you haven't met your deductible, you pay the full allowed amount, $100.

• Out of Pocket Maximum: The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered medical benefits.