Insurance

Please call us for more detail regarding insurance and fees. Our staff will verify and explain your benefits before treatment. Below is a list of a few of the many plans we provide for:

  • 21ST CENTURY INSURANCE
  • AAA MID-ATLANTIC INSURANCE COM
  • AARP
  • ACE USA
  • AETNA
  • AETNA
  • Aetna Continental Life
  • AIG EDUCATIONAL MARKETS MAIL CENTER
  • AIG INS CO
  • AIG-WC
  • ALICARE
  • ALIGN NETWORKS
  • ALLSTATE
  • AMERICAN PROGRESSIVE
  • American Specialty Health
  • AMERIHEALTH
  • AMERIHEALTH
  • AMERIHEALTH ADMIN IBEW LOCAL 351
  • AMERIHEALTH ADMINISTRATORS
  • AmeriHealth Administrators
  • AmeriHealth-Claims Receipt Center
  • Amguard Insurance company
  • APWU HEALTH PLANS
  • ATLANTIC COUNTY RISC OFFICE
  • ATLANTIC COUNTY RISC OFFICE
  • AUTO INJURY SOLUTIONS
  • BANKERS LIFE & CASUALTY
  • BLUE CROSS BLUE SHIELD OF FLORIDA
  • BMI BENEFITS
  • BOLLINGER, INC.
  • BROADSPIRE
  • BROADSPIRE SERVICES INC
  • CARE IQ THERAPY PROGRAM
  • CHAMPVA
  • CHARTIS
  • CHARTIS
  • CHUBB GROUP OF INSURANCE COMPA
  • Cigna
  • CIGNA HEALTHCARE
  • Clover Health Claims
  • CNA
  • CNA INSURANCE COMPANY
  • COLONIAL PENN LIFE INS CO
  • CONSOLIDATED SERVICES GROUP
  • CoreSource
  • CSG
  • ENCOMPASS INS
  • ENCOMPASS MVA
  • ESIS
  • Esurance
  • FARM FAMILY INSURANCE
  • FIRST HEALTH
  • FIRST MANAGED CARE OPTION
  • FIRST TRENTON INDEMNITY CO.
  • FRANKLIN MUTUAL INS
  • GALLAGER-BASSETT SERVICES INC
  • GALLAGHER BASSETT
  • GALLAGHER BASSETT
  • GALLAGHER BASSETT SERVICES
  • GALLAGHER BENEFIT ADMIN
  • GEICO INSURANCE COMPANY
  • GENERAL ACCIDENT INS CO
  • GENWORTH LIFE & ANNUITY
  • GREAT AMERICAN INSURANCE CO
  • H.E.R.E.I.U. WELFARE FUND
  • HANOVER INS CO
  • HANOVER INS COMPANY
  • HARLEYSVILLE
  • HARTFORD
  • HARTFORD MEDICAL MANAGEMENT
  • Healthnet
  • HEAVY & GENERAL LABORS FUND
  • HIGH POINT
  • HIGH POINT INSURANCE
  • HIGHMARK MEDICARE SERVICES
  • HORIZON BC/BS FEDERAL EMPLOYEE
  • HORIZON BC/BS NJ
  • HORIZON BC/BS OF NJ
  • HORIZON BC/BS OF NJ
  • HORIZON BCBS OF NJ
  • HORIZON BLUE CARD CLAIMS
  • HORIZON CASUALTY SERVICES
  • I E SCHAEFFER
  • I.O.U.E. LOCAL 825-PPO
  • INDEPENDENCE BLUE CROSS
  • INSURANCE DESIGN ADMINISTRATORS
  • ITT HARTFORD INSURANCE CO.
  • LIBERTY MUTUAL
  • LOCAL 825
  • MAGNACARE
  • MAIL HANDLERS BENEFIT FUND
  • MERCURY INS
  • METLIFE
  • MURRAY SECURUS
  • MUTUAL HEALTH CARE SERVICE CEN
  • MUTUAL OF OMAHA
  • NAI CLAIMS
  • NALC
  • NATIONAL ELEVATORS
  • NATIONAL HEALTH CARE RESOURCES
  • NATIONWIDE
  • NETWORK SYNERGY GROUP
  • NJ CARPENTERS HEALTH FUND
  • NJ CURE FOR AUTO
  • NJ MANUFACTURERS
  • NJ PLIGA c/o PROCURA
  • NOVITAS SOLUTIONS
  • OHIO CASUALTY
  • OHIO CASUALTY INSURANCE
  • OHIO CASUALTY INSURANCE
  • Optum
  • ORTHONET (CIGNA claims)
  • ORTHONET(USFHP)
  • ORTHONET/HEALTH NET CLAIMS
  • OXFORD HEALTH
  • PALISADES
  • PALMETTO GBA RAILROAD MEDICARE
  • PARAMOUNT INSURANCE
  • PARKWAY INS
  • PEERLESS INSURANCE
  • PHS HEALTH NET
  • PLYMOUTH ROCK ASSURANCE
  • PREMIER PRIZM
  • PROCURA MANAGEMENT
  • PROCURA MANAGEMENT
  • PROGRESSIVE
  • QRS MANAGED CARE SERVICES
  • QUAL-LYNX
  • QualCare
  • RSKCO
  • RUTGERS CASUALTY
  • SAFECO INS
  • SCIBAL INSURANCE
  • SELECTIVE INSURANCE
  • SELECTIVE INSURANCE CO.
  • SIERRA HEALTH & LIFE
  • SIERRA HEALTH & LIFE INS
  • SPECIALTY RISK SERVICE
  • SPECIALTY RISK SERVICES
  • SPNet
  • STATE FARM INSURANCE
  • STATE WORKERS INS FUND
  • TRAVELERS INSURANCE
  • TRAVELERS INSURANCE
  • TRICARE
  • UNITED AMERICAN INS COM
  • UNITED HEALTHCARE
  • UNITED HEALTHCARE
  • UNITED HEALTHCARE
  • United Healthcare
  • United Healthcare
  • United Healthcare
  • UNITED OF OMAHA LIFE INS COMPANY
  • US DEPARTMENT OF LABOR
  • USAA
  • USAA NORTHEAST REGIONAL
  • Wellnet

Video – Understanding Insurance Coverage

We know that the health payment process can be complex and confusing. Here is an excellent video that explains general concepts about insurance coverage.

Health Insurance Terms

Below, you will see a list of terms that pertain to insurance coverage and payment for health services.

  • Co-insurance: in indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges.
  • Co-payment: in managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars.
  • Consumer Driven Health Care (CDHC): refers to health plans in which employees have personal health accounts such as a health savings account, medical savings accounts or flexible spending arrangement from which they pay medical expenses directly.
  • Deductible: the portion of medical costs to be paid by the patient before insurance benefits begin, usually expressed in dollars.
  • Denial: refusal by insurer to reimburse services that have been rendered; can be for various reasons.
  • Eligibility: the process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc.
  • Exclusions: services that are not covered by a plan.
  • Flexible Spending Arrangements (FSAs): an account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer.
  • Gatekeeper: in managed care, it refers to the provider designated as one who directs an individual patient’s care. In practical terms, it is the one who refers patients to specialists and/or sub-specialists for care.
  • Health Maintenance Organization (HMO): a form of managed care in which you receive your care from participating providers.
  • Health Savings Account (HSA): a savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
  • Managed Care: a method of providing health care, in which the insurer and/or employer (policyholder) maintain some level of control over costs and utilization by various means. Typically refers to HMOs and PPOs.
  • Member: a term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care.
  • Open Enrollment: a set time of year when you can enroll in health insurance or change from one plan to another without benefit of a qualifying evening.
  • Out-of-pocket: money the patient’s pays toward the cost of health care services.
  • Payer: the party who actually makes payment for services under the insurance coverage policy. In the majority of cases, the payer is the same as the insurer. But, as in the case of very large self-insured employers, the payer is a separate entity under contract to handle the administration of the insurance policy.
  • Policyholder: purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees.
  • Preferred Provider Organization (PPO): a form of managed care in which the member has more flexibility in choosing physicians and other providers. The member can see both participating and non-participating providers. There is a greater out-of-pocket expense if member sees non-participating providers.
  • Premium: the cost of an insurance plan shared by employer and employee.
  • Provider: one who delivers health care services within the scope of a professional license.
  • Reimbursement: refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.

Reference: www.apta.org