Insurance & Fees

Our office participates with most major insurance plans but you should always verify your plan and product coverage as plans change frequently. Please call our office if you have any questions or if you’d like to verify your insurance with us.

• Aetna Commercial/Medicare
• Anthem BCBS
• Humana
• Medicare – Palmetto GBA – VA
• Multiplan/PHCS
• Sentara Health Plans – Commercial
• Sentara Health Plans – Medicaid
• United Healthcare
• Virginia Health Network
• Optima
• Tricare Select

Payment Options

We accept cash, Visa, Mastercard, Discover, American Express, and personal checks.

Patients with Insurance

Please bring your insurance card to your appointment.

Please note we may be out of network for some insurances which may result in the patient paying a higher co-pay or deductible. Please inquire when you make your appointment.

We accept a wide variety of insurance plans making it very cumbersome to track the specific details of each plan for each patient. As the patient and contract holder of your health insurance policy you are better informed as to what coverage your insurance provides.

We ask that you please check with your insurance company prior to your appointment to determine your co-pay, deductible amount, or percentage covered for the expected services. These charges are due the at time of service.

Our staff are happy to submit a bill to your insurance as a courtesy to you, but the cost of services provided by Blackwood Family Medicine is the final responsibility of you, the patient. We appreciate your cooperation in keeping your patient account paid in full.

Billing

There are rare occasions when we may not be able calculate your total amount due on the day of your appointment. Once we receive the estimate of covered benefits from your insurance, we will send you a bill, which is due upon receipt. Payment may be mailed in, made in person, over the phone, or online. Past due late fees may be charged after 30 days. (See our Payment Policy at the office for more details.)

Card-on-File

We encourage patients to keep a credit card on file to make the checkout process easier, faster, and more efficient. You will no longer receive statements from us, but you will continue to receive your Explanation of Benefits (EOB) from your insurance carrier once your claim has been processed, detailing the charges and payments made on your behalf.

At check-in we will:

• scan the credit card of your choice, including your Flexible Spending Account (FSA) or Health Savings Account (HSA) card

After your insurance has paid their portion, we will:

• notify you via email of the balance owed
• charge the balance owed to your card on file
• email a receipt for the charge

Your credit card information will always be fully protected by our off-site, card-processing partner Elavon, and not on our computers, as required by industry standards (Payment Card Industry Data Security Standard – PCI-DSS).

Fees