Billing FAQ

1. What insurances do you take?

The Women’s Health Group, P.C. takes most commercial insurances including UnitedHealthcare, Aetna, Cigna, Blue Cross and Blue Shield and Pacificare.  Please contact your insurance to be sure we are listed in your network or contact our office for more information.  You may also click on the link at the bottom of this page to view our list of insurance programs we are contracted with.

2. What is my copayment*?

Your copayment amount or “copay” is determined by your insurance company and is often listed on your insurance card.  Please contact your insurance for more information.

*Please note, we are typically considered a Specialist office unless otherwise specified by your insurance and copays are due at the time of service so please be prepared to pay or you may be rescheduled.

3. I paid my copayment, so why am I getting a bill?

You may have a deductible or co-insurance percentage that was applied to your charges—on top of or in lieu of your copay.  Please contact your insurance for detailed claims processing information.

4. What is a deductible and a co-insurance?

A “deductible” is a set dollar amount that you may pay out of pocket for some services to any provider before your insurance company will pay.  A “co-insurance” is a percentage of a charge that you pay out of pocket.  Please contact your insurance to see if you have a deductible and/or co-insurance that applies to your charges.

5. What if I don’t have insurance?

At The Women’s Health Group, we understand the importance of quality healthcare and we encourage all women to seek care no matter their insurance situation.  We do require that all services are paid for in full at or before the time of service.  Some services are eligible for discounts when paid in full at the time of service.  Please contact the office for details.

6. What’s covered under my insurance plan?

The Women’s Health Group cannot quote benefits because we are not an insurance company and we do not administer benefits.  Please contact your insurance company for more information about specific benefits.

7. Can I make payments on my balance?

In most cases yes.  Please contact the office for details.

8. What are my payment options?  Can I pay my bill online, over the phone or in person?

We accept the following methods of payment: cash, checks (personal and cashier), money orders, VISA and MasterCard.  You may pay your bill via mail, in person, or over the phone with a credit card.  Online payments are available through our website. Click here to pay your bill online.

9. I never got a bill but I was told I had a balance.  Why?

Our system does not generate statements for balances $4.99 or less.  Those are considered “small balances” and will typically be collected from you at your next appointment.

10. What is “global billing?”

Global billing is most common in obstetrical (OB) care, but can also apply to other non-OB services.  It is a billing method used by most insurance companies which includes office visits related to pregnancy, physician’s charge for delivery and one six week postpartum visit.  The “Global Fee” is billed to your insurance by our office at the time of delivery and the hospital will bill separately.  Anything above and beyond OB office visits and delivery including, but not limited to ultrasounds, blood draws, sick visits, lab and pathology services, fetal non-stress tests, amniocentesis, etc will be billed outside of global and deductibles and/or co-ins may apply.

Global billing applies to all pregnancies when you have the same insurance throughout the entire pregnancy and when you see only WHG providers throughout the entire pregnancy.  If you have changes in insurance coverage or if you transfer care to or from our office, global billing no longer applies. 

Global billing also applies to most surgical procedures when there are no complications or changes in insurance.  Each surgery has its own number of post-operative days that vary based on the specific procedure code.  It may still be necessary to charge a visit or other procedure outside the gobal post-operative days if the visit is not related to the original surgery, or if ultrasounds or further studies are required.

**Please remember, this information is simply a brief overview of Women’s Health Group policies and is subject to change without notice.

For a list of the most common insurances we participate with, please click here.