Questions and Answers on Insurance

The great patient experience we always strive for at Haro Podiatry & Laser Center includes providing clarity and peace of mind about insurance. Our financial team is happy to field questions and provide complimentary benefit checks to help ensure you are receiving all from your coverage. We don’t want insurance worries to get in the way of the foot and ankle care you need!

Below are a few common questions on insurance. Please do not hesitate to call our office if you don’t find the answers you need here.

Doctor

Which insurances do you accept?

Our office accepts most insurance plans. A full list can be found below. However, we continuously work on joining more HMO and PPO plans. Please check with your insurance provider or speak to one of our experts to be sure we accept your plan.

  • All BC and BS Plans (HMO, PPO & EPO)
    • Excluding Advanced EPO
  • CIGNA
  • UNITED HEALTH CARE
  • OXFORD
  • MEDICARE
  • AARP MEDICARE COMPLETE
  • AARP SUPPLEMENT
  • UMR
  • AMERIHEALTH
  • CLOVER HEALTH (FORMERLY CAREPOINT)
  • MULTIPLAN
    • We will need Member ID and Provider Services No. (located on back of card) for benefit verification
  • QUALCARE
  • HEALTH REPUBLIC
  • HORIZON NJ HEALTH
  • AMERICHOICE
  • WELLCARE
  • MAGNACARE

Will I need a referral?

In most cases, a referral is required from your primary care physician (PCP) if you have an HMO plan and need to see a specialist. Most family doctors need at least 24-48 hours of advanced notice to create the referral, so be sure to contact them at least a few days before your scheduled appointment with us. Please note that referrals may also have expiration dates or allow a limited number of visits. Check with your insurance company or PCP for more information. We are also happy to help.

What is a deductible?

A deductible is the threshold of money the insured is required to pay within a calendar or plan year before the benefits of an insurance policy may be applied. There may be more than one deductible in a plan, based upon the types of service. Examples include in-network deductibles, out-of-network deductibles, and hospitalization deductibles.

Our experts can help you verify the types of deductibles you have and whether they have been met.

What will be covered by my insurance?

The items covered by specific insurance plans may be confusing, especially if someone else seems to have the same plan and has a procedure covered that you do not. However, the benefits that are covered beneath a certain plan often depend on the employer who offers it.

In many cases, employers offer more than one plan option. It is important to read carefully over all options and choose the one that best suits your needs and budget.

What is a Flexible Spending Account (FSA)?

A Flexible Spending Account is often used alongside insurance benefits provided by an employer. It allows someone to save money tax-free for use paying for certain health services. It is an increasingly popular tool in funding one’s healthcare, and it is important to know what a specific account can be used for. Items such as orthotics and other podiatric services may qualify!

Some FSA plans expire at the end of a year, and the money saved in them is lost. Be sure you know all the details about what an FSA plan covers and when it expires.