INSURANCE PLANS, PAYMENTS AND REFERRALS

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If you are coming to Advanced Dermatology & Skin Care for a general dermatology visit and have health insurance, please remember the following:

Bring your health insurance card

We cannot provide you with service without it. If you have lost your card or have recently switched insurers and don't have a new card, you can often go online to the company's website to request a replacement or to obtain a letter with your insurance information. From experience, we recommend that you register with your health company's website well in advance of your need to use that service. You may also be able to contact them by phone.

Do you need a referral?

If you don't have a referral and need one, our doctors can't see you. If your insurance is in the form of an HMO plan, then you need a referral from your primary care physician in order to be seen by a specialist, including the dermatologists at Advanced Dermatology and Skin Care. Ask your primary care physician to fax it directly to our office at (973) 731-1635 and then check with us to see if it has arrived. If you don't know if you need a referral, then give your insurance company a call: flip your card over and you will find a number for member services on the back and they will be happy to advise you.

You might have to pay us a copay and/or the cost of your visit if you have not reached your deductible

Many modern health insurance policies require you to pay a copay at the time of visit. Your insurance card will show the amount that you will owe us. At the same time, you may have a deductible for various medical expenses such a visit to a specialist. These deductibles work just like the ones for your car insurance: you owe the first costs up to a specific amount. If you have not reached your deductible (that is the cost of your medical expenses have not equaled or exceeded the amount of the deductible on your plan), then you will have to pay the balance of the cost of your visit at the rate for which we have been contracted by your health insurance company. You will receive an EOB (explanation of benefits) from the insurance company showing what you will owe us; we receive one at the same time and if necessary, prepare a bill for you. In some cases, we may know at the time of your visit that you have not met your deductible and what the charge will be and will bill you at that time.

Meet Our Physicians

As board-certified physicians, we take the time to meet your medical needs and concerns, to listen to you, and make sure you get the care you need.

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Please see our Financial Policy for your responsibility to make payments for the services that you receive.

If you have any questions please call 973-731-9600 or contact us online. Our front desk staff and our billers are always happy to help you with your health insurance and billing questions.