A direct pay, or cash pay, practice is a healthcare practice that allows patients to pay directly for services they receive. Patients bypass the hassles of paying via an insurance company. Such companies usually have a vast array of stipulations and complicated payment practices that often result in unexpected bills and hidden fees. Our dermatology practice does not need to work with other parties for payment. Patients get a price for each service upfront, and they pay our practice as soon as they receive the service they desire.
We would like for you to have an optimal dermatology care experience.
Some insurances may reimburse you directly if you have out-of-network coverage. You will have to ask your insurance provider before visiting us. We will give you the appropriate codes for the procedures we offer. These are codes used by insurance companies, so your insurer will be able to apply them to your coverage plan accordingly and process your reimbursement. However, we cannot guarantee that the insurance carrier will reimburse you, so discuss the matter at length with your insurance provider.
Direct care is not necessarily more expensive than insurance-based care and may save you money. Some insurance companies, especially the commercial ones, have high deductibles and co-payments for each visit, leading to higher costs. For example, let’s say you have a $40 co-payment and a $2000 deductible, and you want to procure a specific service that costs $100. As someone with conventional insurance coverage, you would pay $140 for that service, including the service cost plus the co-payment. Also, you would receive the bill on a date after the time you took advantage of that service.
By choosing a direct care practice, you may pay only $100 total for the service. This type of service is particularly advantageous if the service is minute, such as checking a few suspicious spots on your skin, or if the service is quick, such as a 10-minute visit. Ultimately, direct care allows you to pay upfront for quick and uncomplicated services, giving you the chance to spend less money than you would if you utilized an insurance company.
Yes. If you have insurance, you will be able to get medications. The level of coverage will vary according to the nature of specific plans. If you are not insured, we will assist you with getting prescription medication for a reasonable price. We will do this by taking advantage of samples and coupons or negotiating with pharmaceutical companies.