Navigating Your Insurance Coverage at Montgomery Gynecology

Insurances AcceptedComprehensive Insurance Support

At Montgomery Gynecology, we understand the importance of straightforward and accessible healthcare financing. We proudly partner with most major insurance providers, ensuring that your gynecological care is covered. Whether you're visiting for an annual well woman visit, seeking reproductive choices advice, or require in-office procedures or robotic gyn surgery, we're here to make the process as seamless as possible.

Verify Your Coverage

To ensure that your visit is covered, we recommend contacting our office or your insurance company directly. Our team is adept at navigating the complexities of insurance plans, specializing in areas such as menopause management and adolescent gynecology, among other services. This proactive approach helps prevent any unexpected costs and streamlines your care experience.

Understanding Your Benefits

Insurance policies can be intricate, with coverage for services like well visits, sick visits, and emergency care varying significantly. We encourage you to become familiar with your plan's specifics, including office co-pays, deductibles, and eligible services, to fully understand your benefits and responsibilities.

Our Commitment to You

Montgomery Gynecology is committed to working closely with both our patients and their insurance providers. From assisting with claim forms to ensuring you receive the maximum benefits entitled to you, our goal is to minimize your financial concerns while maximizing your care quality.

Benefit: Amount of money your insurance plan pays for the health care services you receive.
Billed Charges: Billed charges mean the total charges billed by a Physician’s office. It shows the gross billed price of services and does not represent the amount paid by the insurance.
Claim: This is another word for a health care bill. It is sent to your insurance plan from doctor’s office after service is provided and it list out all of the services you received.
Coinsurance: Some insurance plans cover only a percentage of the cost of your care. For example, if your plan has 10% coinsurance for a service that cost $50, your insurance plan will pay $45 dollars and you will pay $5.
Copay: A fixed amount paid by a patient for a covered service. Some insurance plans cover certain types of care at a set rate- also called a copay. For example your plan may charge $25 per doctor visit or $50 dollars for each day a patient is an inpatient in the hospital.
Deductible: A set amount you have to pay every year before your health insurance company starts paying. For example, if your health care service costs $5,000 and your plans annual deductible is $3,000, once you have paid that $3,000, your insurance plan will pay all or part of the remaining $2,000 (depending on what type of coverage your plan has). Most insurance plans have to cover some services (like annual well visits), regardless if you have met your annual deductible or not. PLEASE NOTE: Patients who come for annual well women visits and discuss issues not considered covered under the annual may be subject to other outstanding charges by the payor.
Fee Schedule: List of charges for health care services. Insurance plans publish fee schedule lists representing the maximum charges (or prices) they will reimburse for the same services. In many instances, the reimbursement amount offered by insurance plans is less than what is charged by health care providers.
Premium: The amount that must be paid to the insurance plan to maintain the desired insurance plan coverage.

Insurance Terms Explained

Navigating health insurance terminology can be daunting. Here's a brief overview of key terms to help you understand your policy better:

● Benefit: The payment made by your insurance for covered services.

● Billed Charges: The total cost billed by our office, not necessarily what your insurance pays.

● Claim: The bill sent to your insurance after receiving our services.

● Coinsurance: Your share of the costs of a covered healthcare service.

● Copay: A fixed amount you pay for a covered healthcare service.

● Deductible: The amount you pay for covered health services before your insurance plan starts to pay.

● Fee Schedule: A list of the maximum amounts your insurer will reimburse for healthcare services.

Next Steps

For personalized assistance with your insurance queries or to verify coverage for specific services like abnormal bleeding treatment or adolescent gynecology, please contact our office at 215-444-3411. Our knowledgeable staff is here to guide you through the insurance process, ensuring you have all the information needed for your care at Montgomery Gynecology.