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Insurance Information

The Suncoast Dermatology accounting department is always willing to assist our patients in meeting their financial obligations. For your convenience, we accept MasterCard and Visa as well as cash and checks. If necessary, a payment plan can be arranged with our accounting staff. We also accept payments via PayPal. 

 

Please realize that your insurance is a contract between YOU AND THEM. We do not participate with all insurances (there are thousands in existence) Ultimately, due to insurance companies frequent changes, it is your responsibility to ensure you have verified with YOUR insurance that you are going to a provider on YOUR list.

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Other Financial Information:

Cosmetic Procedures

All cosmetic procedures are payable prior to services being rendered.

CareCredit

We are participating with CareCredit. You must speak with a member of our billing department to determine your eligibility.

Outside Lab and/or Charges

Please note that it may be necessary to utilize an outside laboratory for analysis of tissue obtained. Our office policy is to perform analysis on ALL specimens obtained. A separate charge will be incurred from that outside lab/facility which is billable to you.

Medicare

We are a participating Medicare provider. You will be responsible for 20% of the approved as well as any deductible not yet met. We collect your portion at the time of your visit.

CHAMPVA / Tricare

We do not accept this unless prior arrangements and criteria have been met. You must have a prior authorization number issued via your VA provider before proceeding with an appointment. While we are more than happy to see any patient who has served, they must authorize any visit that you have to a specialist. All others will be expected to issue payment at time of service. All patients who have obtained prior approval will still be responsible for co-pay and deductible at time of service.

Medicare Supplemental Insurance

Several plans have signed an agreement with Medicare to automatically cross over. We have direct access to Medicare's database to see what insurances have been approved for crossover. If your insurance is on the list, we will gladly file it for you. If it is not, we will request your co-pay at the time services are rendered. We will provide you with appropriate paperwork so that you may file your second insurance and be reimbursed.

Blue Cross / Blue Shield of Florida

We are participating with many of the BC/BS plans. Blue Cross and Blue Shield does make changes to their many plans, we suggest that you reach out to the plans phone number on your card to verify that we are in your network. These change often, you should routinely verify with your insurance. You are responsible for any co-pay and deductible at time of service. We are not participating with any BC/BS HMO or Healthoptions product. As a result, you, and not your insurance, are responsible for payment to us in full at time of insurance. At this time, we do not participate with BCBS Hmo's or EPO products due to BCBS enrollment restrictions.

United Healthcare, Humana, Cigna and Aetna

We participate with many plans of United Healthcare, Humana, Aetna and Cigna, but due to their restrictions, not all. Check before your arrival to ensure it is a plan with which we participate. We collect full amount for any plan in which we do not participate.

Medicaid

We do not accept Medicaid without direct referral from your primary care provider.  We do not participate in any Medicaid HMOs. All Medicaid patient must go through clearance first with our office.

HMO's or Managed Care

We do not participate with ALL HMOs or Managed care plans. You should call the number on your card to verify we are in network. You must also ensure you have received prior authorization from the physician you have as your primary care physician.  We are unable to obtain any payment, without authorization from that doctor.  Note: Most HMOs and Managed care plans will not reimburse you for your decision to go out of network. YOU must determine if your physician is in network.

No Insurance

If you do not have any insurance, we ask that payment be made when services are rendered. If you must set up a payment plan, we ask that you meet with our accounting office prior to your visit to determine if you qualify.

Affordable Healthcare Act 

These plans are restrictive in that you must ensure you are going to a physician in your network and that you have obtained prior authorization to do so.  Many of the plans offered may not contract with physicians within this county; therefore, it is important for you to reach out to your primary care doctor to obtain approval.