Insurance & Billing
MetroDerm is a participating Medicare provider and accepts most managed care programs, many of which require members to pay an office co-payment 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 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 coverage or billing.
Frequently Asked Insurance Questions
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 co-payment 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 individual payer contracts.
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.
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.
There’s a slight, but important terminology distinction here. Covered does not mean 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.
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CareCredit offers a comprehensive range of no interest and extended payment plans for procedure fees from $1 to over $25,000. With CareCredit, you pay no up-front costs, no pre-payment penalties, and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for CareCredit, and you may receive an online decision in seconds.
How to Apply for CareCredit