Insurance coverage policies for dermatologic disorders are complex and highly variable, with many exclusions depending on the plan. The main guideline for whether insurance will pay for a procedure, treatment, or even a diagnostic test is generally the rule of medical necessity. In the field of dermatology, many issues fall into a gray area that excludes coverage, despite indications of pain, psychosocial distress, and even depression. Coverage limitations and high deductibles leave many patients having to pay out-of-pocket for dermatologic care; as a result, we are exploring new models for delivering care that patients are willing to pay for.
The following are benefits of Self Pay/Direct Pay:
You will see a Board Certified Dermatologist (Dr. Kupetsky).
You will be able to get appointments possibly the same day or week.
If we do not participate with your insurance, you can submit your invoice if desired, directly to your insurance for applicable reimbursement. You will have access to your patient portal which will allow you to print, fax or email your chart note for reimbursement Patients are asked to comply with all per their plan requirements.
You don't need pre-authorizations; patients make care decisions directly with their doctor (just like it used to be before insurance companies got in the way!).
You won't have to worry if the latest treatments are "covered" or "not covered'' by your insurance.
People with high deductibles are finding it may be cheaper to pay "Self Pay'', than incurring copays PLUS deductibles from their insurance where it may be more expensive than our Self Pay fee. For customized prices kindly contact us.