Insurance

Important Insurance Information - Please Read All

health insuranceIs it covered?…Is the wrong question to ask because it may be “covered,” but insurance will not pay until your deductible is met. Use these detailed questions to get accurate answers from your insurance company, regarding what they will pay and how much will be your responsibility.

How much is my deductible? Your deductible is the amount you have to pay the doctor before your coverage begins.

  1. How much is my coinsurance?
    • (Example: “80/20 Coinsurance” is the amount the insurance company pays (80%) and patient pays (20%) after your deductible has been met).
  2. What is my copay?
  3. Does my policy cover routine, screening colonoscopies?
  4. Does my policy cover diagnostic colonoscopy?
  5. Are Drs. Dewan, Turk, Beyer and Sharma participating providers?
  6. Do I have to use preferred facilities for procedures, x-rays, labs and hospital admissions?

To further assist you with determining your coverage, please ask about these specific procedure codes:

Codes

When Do I Pay?

We can help you. All we ask is that you contact us sooner than later.

We review the amount you will owe before every visit. All known copays, coinsurance and deductible are due at the time of service. This process reduces healthcare costs by reducing the number of statements mailed for items that should be paid at the time of service. You may incur a $15 statement fee, if we are required to send you a bill.

After your visit we will bill your insurance company(s) and fight for every dollar of payment for you. When your insurance company pays they will mail you and your doctor an EOB (Explanation of Benefits). An EOB is that piece of mail you receive from your insurance company that says, “This is not a bill.” The EOB explains what your insurance company paid, what discount we gave you and what your insurance company left for you to pay. A few days later you will receive a bill from us matching what your EOB says you owe. This statement is due and payable when received.

Special Notes: Increasingly, insurance policies have up to $5,000 deductibles. If your deductible is not met before a procedure, we may ask that you set up a payment plan before scheduling. This proactive approach lets you make informed decisions and avoid surprises.

When patient is seen in a hospital or surgery center setting there will be additional billings from that facility, and perhaps pathology, anesthesia and other medical professional organizations.

Participation ListClick here for a list of insurance companies that we participate with and their contact information. It is always best to contact your insurance to confirm your doctor is a participating provider and to ask the questions above.

KGH Office

1535 Gull Road, Suite 105
Kalamazoo, MI 49048
P: 269-385-9900
F: 269-385-2140
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DHC Office

3770 Capital Ave, SW, Suite B
Battle Creek, MI 49015
P: 269-385-9900
F: 269-385-2140
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Westside Office

6565 West Main Street, Suite C
Kalamazoo, MI 49009
P: 269-385-9900
F: 269-385-2140
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