Insurance Information
At Allied Physicians Group we proudly accept a variety of health insurance plans (listed below) to make care as accessible as possible. However, it’s important to note that many insurance carriers offer different “lines of business” under their plans. A “line of business” refers to the specific type of coverage or network that your plan may fall under, such as HMO, PPO, or Medicaid, and each line can have different coverage rules.
While the line of business should be listed on your insurance card, if your insurance or line of business is not listed below, we kindly ask that you contact your insurance carrier directly. This will confirm that we participate with your plan’s specific line of business.
Please note, we do not participate with United Healthcare Community Plan or EmblemHealth (HIP) Medicaid/HIP Heritage plans.
Insurances Accepted
1199SEIU
Aetna/First Health
Affinity/Molina
Anthem BCBS
Anthem HealthPlus
Cigna
Emblem Health/GHI
Empire UHC
Fidelis
Healthfirst
Multiplan/PHCS
Northwell IPA
Tricare East
United Healthcare/Oxford
Billing Information
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Common Insurance Terms
Copayments (Copay) & Coinsurance:
A copay, or copayment, is a predetermined rate you pay for health care services at the time of care. For example, you may have a $25 copay every time you see your primary care physician, a $10 copay for each monthly medication, and a $250 copay for an emergency room visit.
Coinsurance is a percentage of a medical charge you pay, with the rest paid by your health insurance plan, which typically applies after your deductible has been met. For example, if you have 20% coinsurance, you pay 20% of each medical bill, and your health insurance will cover 80%.
Copays VS Deductible:
The deductible is how much you pay before your health insurance starts to cover a larger portion of your bills. In general, if you have a $1,000 deductible, you must pay $1,000 for your care out of pocket before your insurer starts covering a higher portion of costs. The deductible resets yearly.
Copay vs. deductible
Your health plan may have both copays and deductibles, and whether you pay one or the other may depend on the services you receive. For some services, such as a visit to your primary care doctor, you may owe a fixed copay, such as $10 or $20. For other services, such as an MRI, you may have to pay the approved cost of the service up to your deductible.
Your copay may count toward your deductible, but it doesn’t always. And you may owe copays for some services after you meet your deductible.