At Mallory Osteopathic Family Practice we continue to update our network participations to meet the needs of the community. We participate in many managed care plans and see patients with traditional insurance. To verify in-network coverage contact your insurance administrator for more information.

YOUR MEDICAL PLAN COVERAGE

We are required by our insurance contracts to collect all co-payments and other patient responsible amounts at the time of service.  These may include deductibles, co-insurance or non- covered services.

We accept cash, check and most credit cards, including Care Credit www.carecredit.com.

Please bring your insurance card and a photo id to each appointment to verify any changes to your insurance policy.

Medical Insurance FAQs

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   What are deductibles?

   In health insurance, there are several types of deductible plans. It’s important to understand the differences to utilize the most of your plan benefits.

   An insurance plan that requires a deductible to be met before coverage begins is comprehensive deductibles. For example, if you have a $1,500 deductible, you must pay that amount before expenses are covered by the insurance company. Your insurance Administrator can assist in explaining if your deductible has been met to date and or your policy terms once your deductible has been met.

   Other deductibles plans include; Non-comprehensive deductibles which are similar to comprehensive but certain services are not included in the deductible and a copayment is usually required. Family deductible, normally two deductibles and Cumulative Family Deductible, has a set dollar amount rather than two deductibles.

   It is important to understand the terms of your insurance policy prior to seeking medical care. Contact your Health Care Administrator regarding your policy terms.

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   What is Coinsurance?

   Other insurance plans require a coinsurance requirement, which means the patient and the insurance company each pay a specific percentage of the day's visit. For example, most policies offer an 80/20 co-insurance plan, meaning insurance will pay 80% of incurred medical bills and the insured is responsible for the remaining 20%.

   For example, if you incur a $3,000 medical bill:

   • $1,500 deductible and
   • 20% of the remaining $1,500 ($300), your total out of pocket expenses is $1,800.

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   Do I have a copayment?

   Some insurance plans require the patient to pay their copayment at the time of visit. The copayment may not include labs, tests or procedures.

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   What is a Health Savings Account (HSA)?

   Health Savings Accounts provide tax savings for some patients. For higher insurance plans lower premiums and the money you put into your Health Savings Account remains in your account for extra savings, retirement income. Health Savings Accounts are not for everyone, review the policy entirely and notify our front office if you plan on using your Health Savings Account benefits at the time of visit.

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   Does my insurance policy cover preventive care?

   Insurance plans typically cover an annual (pending on age and other factors) physical exam, well woman exam or preventive care. Some plans waive patient responsibility, while others expect the insured to pay applicable deductible, co-pay, or coinsurance for the visit and some plans do not cover preventive care.

   Services that are not normally covered by insurance plans during a physical exams:

   • Evaluation and Management of specific acute problems or illness. Example would be discussion of a recent cough and sore throat, pain or injury during a physical exam.
   • Procedures other than a pap smear. Example would be mole removal, joint injection, etc.

   All physicals will be scheduled as a separate visit from any specific acute problems or illness.