Insurance Information
Understanding your coverage and payment options
Accepted Insurance Plans
We accept most major insurance plans. Please contact our office to verify your specific plan coverage.
Major Insurance Carriers
- Blue Cross Blue Shield
- Aetna
- Cigna
- UnitedHealthcare
- Humana
- Medicare
- Medicaid
Other Accepted Plans
- Most PPO plans
- Many HMO plans (with referral)
- Workers Compensation
- Personal Injury Protection (PIP)
- Auto insurance (medical coverage)
Workers Compensation
State Workers Compensation
For state workers compensation cases, medical care is typically handled through your employer's workers compensation insurance carrier.
- Cases are processed through the employer/insurer
- Authorization is required before treatment
- We coordinate directly with insurance adjusters
- No out-of-pocket costs for approved treatments
Important: Bring your workers compensation claim number and adjuster contact information to your first visit.
Federal Workers Compensation
Federal workers compensation (OWCP) operates under different rules and procedures than state systems.
- Administered by Department of Labor (DOL)
- Office of Workers' Compensation Programs (OWCP)
- Different authorization and billing processes
- We are familiar with federal requirements
Important: Federal cases require specific forms (CA-1, CA-2) and documentation. We can assist with this process.
Cash-Pay Options for Regenerative Services
Regenerative medicine treatments (PRP, stem cell therapy) are typically cash-pay services.
Why Cash-Pay?
Most insurance plans do not cover regenerative medicine procedures as they are considered experimental or investigational. However, many patients find value in these treatments as alternatives to surgery.
Payment Options
- Transparent pricing discussed during consultation
- Health Savings Accounts (HSA) accepted
- Flexible Spending Accounts (FSA) accepted
- Payment plans may be available
Note: Pricing and payment options will be discussed during your consultation to ensure you have all the information needed to make an informed decision.
Verify Your Insurance
Before your visit, please contact our office to verify your insurance coverage and any requirements (referrals, authorizations, etc.).
Our staff will help you understand:
- Coverage for specific services
- Deductibles and copayments
- Referral requirements
- Authorization needs