Insurance and Disclaimer

If you are a member of one of the many managed health care plans, please ensure that your PAL doctor is a member of your particular plan prior to your appointment so that out-of-network charges are not incurred.

INSURANCE: To properly handle your insurance claim(s), we must obtain a current copy of your child's insurance card each time you visit our office. This will help your insurance pay your claims in a timely manner and save you from being billed. In the event you do not provide proof-of-insurance, payment will be expected at the time of service. Further, if you provide us with incorrect insurance information, you will be responsible for the bill.

  • It is your responsibility to contact your insurance company and find out whether or not our doctors are participating physicians within your particular insurance plan. Some insurance carriers have a PPO, HMO, POS, or indemnity status, and it is very possible that our doctors may participate in only one of these areas, not in all.
  • It is also your responsibility to read and understand your own insurance policy. Certain services and procedures may/may not be covered depending on your own insurance policy.
  • The following circumstances may result in you being billed directly:
    • we are not participating physicians in your plan; insurance coverage is not in effect because of the date of visit
    • non-covered lab work is ordered/performed
    • or a non-covered service is performed,or denied for the reason "not medically necessary"
  • Co-payment is due at the time of service by the person bringing the patient for the visit. If you do . not have your we will bill you for a $15 adminiStrative fee. If someone other than the parent or guardian is' bringing the patient, a notice stating approval of the visit must be signed by the parent/guardian and presented at check-in.

Some of the Insurance Providers we accept are

  • 1st medical network
  • aetna
  • blue cross-blue shield
  • ccn
  • cigna
  • coventry
  • first health
  • humana
  • one health plan
  • pro-net
  • southcare
  • tricare
  • unicare
  • united health care
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