We are NOT accepting new patients at this time. 

Confirmed Participation Exclusions

BCBS Blue Value - Non-participating

BCBS Blue Local - Non-participating

It's Patient Responsibility to ensure your provider is covered on your insurance plan!  

Insurance coverage alert:  We participate with most plans affiliated with the carriers noted below. However many new plans require patients see only participating providers & not all providers are invited to participate with all carrier plans. To avoid unexpected surprises & non-covered charges, it is essential that patients verify their benefits carefully & refer to specific plan websites for a list of participating providers BEFORE your appointment.

AARP Priority Health
Aetna Physician's Mutual
American Fidelity/ Pioneer Reliance Standard / ASM
Assurant Health Standard Life & Accident
Bankers Life Today's Options
BCBS (In/Out of State) TransAmerica
BCBS Federal, Anthem Tricare / Tricare For Life
Cigna Healthcare TRS Care / Aetna
Coventry  United Healthcare
Carolinas Health Care UHC Secure
Champus United American
First Health / Magna Care United Omaha Life
GHI / GEHA USAA Life Medicare Supplement
Health Net / HealthChoice Wake County Project Access
Humana WellCare
Medicare Part B
Medical Mutual
Medcost
Mutual of Omaha

NC Medicaid / Carolina Access 
NC State Health Plan
New Era Life
Pan American Partners National Health 

PHCS  

Priority Health
Physician's Mutual
Reliance Standard / ASM
Standard Life & Accident
Today's Options
TransAmerica
Tricare / Champus (Prime, Standard, For Life)
TRS Care / Aetna
United Healthcare
UHC Secure
United American
United Omaha Life
USAA Life Medicare Supplement
Wake County Project Access
WellCare

 

Health Insurance & Patient Responsibility

  • Do you really understand your medical insurance?
  • Are you getting the "most for your healthcare dollar"?
  • Where do you turn for help?

I hope this bit of information will prove helpful as you navigate the sea of endless information before you regarding coverage options, benefits, policy exclusions &, hefty premiums.

Health Insurance plans can be complicated, full of exceptions, exclusions, special provisions & legal jargon making it almost impossible to know exactly what you're paying for and what to expect at the medical office check out counter.  Policyholders are referred to the member handbook or carrier websites for terms and conditions, coverage information and benefit explanations that are lengthy and difficult to understand.   Did you know it is patient responsibility to understand all this "medical benefit stuff"?

Well... it is!  Patients are responsible for understanding and abiding by the terms of their plan even if they don't fully comprehend the coverage & limitations tied to the expensive benefits for which they fork out large monthly payments.  There are innumerable  policies out there, each with untold numbers of different benefit options.  Group employers have the opportunity to pick to pick and choose, changing even the tiniest detail for the new coverage year.   

Bottom line:  SAVE the policy handbooks you receive every October from your employer!  Try to weigh the pros and cons of each plan & option. Think about out of pocket expenses for last year & compare to current life issues that may require additional medical services.  Ask lots of questions & don't hesitate to call the 1-800 Numbers available. Those folks are your Customer Service Representatives & should be able to answer any questions you have.   Call the NC Department of Insurance, employer HR representative, or the Customer Service number on reverse of your ID Card.  Use every resource to make the most of those precious benefits & every healthcare dollar you spend.

~Cathy Asbill, Office Manager/FMC