Insurances we DO participate with / accept (including all subplans unless otherwise indicated): Non-Obamacare subplans of the following plans (the 2 Obamacare plans we do accept are Oscar & Health Republic): AARP, Aetna, Anthem BCBS, APWU, Blue Cross Blue Shield (including all out of state plans), Cigna, Emblem / HIP – all Commercial and Medicare plans, Empire BCBS, Empire Plan (NY State), Federal BCBS, GEHA, GHI (we accept out of network benefits if your plan provides them – we are not in the GHI network), Guardian, Health Republic, Humana, Magnacare, Medicare, Multiplan, Oscar, Oxford, Pomco, United HealthCare (all subplans except Community Medicare). See the section below regarding out of network benefits (accepted for any plan we do not participate with, if you have such benefits).

Insurances we DO NOT participate with / DO NOT accept (this list is not necessarily complete): Unless you have out of network benefits: any Compass plan, any NJ insurance plan, EasyChoice, GHI (we do accept out of network benefits if present), Neighborhood Health Plan, Health Net, Amerigroup, CenterCare, HealthPlus, NY Presbyterian Community Plan, WellCare, Emblem / HIP Community or Medicaid plans, Horizon NJ Blue Cross Blue Shield plans (we do accept out of network benefits if present), BCBS Compass, Medicaid as primary insurance (we accept only as secondary insurance), United HealthCare Community Medicare subplan, Tricare, or Workers Compensation. We do not participate with most Obamacare plans, except for Oscar & Health Republic.

Insurance participation lists are subject to change.

We do accept out of network benefits (if you have them) for any plan that we do not participate in, including GHI, Horizon NJ BCBS, any NJ insurance plan, and any others. For any plan that we do not participate with but accept out of network benefits (if you have such benefits), we will accept the amount your insurance pays us as payment in full and you will not have any extra costs other than any applicable deductible. You will receive a check in the amount of our services from your insurance company; this payment belongs to us & thus must be turned over to us ASAP.

Please note that when we do accept any insurance, it is your full & personal financial responsibility to pay any & all co-pays, coinsurances, and deductibles in a timely fashion without carrying debt with us. Deductibles also apply for out of network benefits. Having insurance coverage does not always equate to free care; these terms are dictated not by us, but by the details of the contract you have with your insurance provider.

When we refer you to another provider or to a hospital, we will give you their relevant contact information. We urge you to inquire and determine if such providers / hospitals participate with your insurance or not (in network or out). You can determine this by asking their office by telephone, by checking their website, or by inquiring online or by phone with your insurance plan.

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