Financial Policies

Welcome to our practice!  This page provides clear answers to common financial questions to help us avoid any possible misunderstandings concerning the payment for professional services.

Please contact our office at 757-481-3366  to verify that we currently participate with your individual insurance. We participate with most insurance companies in the Hampton Roads area.  As a courtesy to our patients we file insurance claims for you with your insurance carrier.  We DO participate with Blue Cross Blue Shield Anthem. 

Your Responsibility:

  • Bring your insurance card and photo ID to every visit
  • Be prepared to pay for any co-pays and deductibles that apply
  • If medical care you consent to is NOT covered by your insurance, then Payment in full is due at the time of service 

Insurance coverage is complicated and each policy is different.  If you have any questions about your insurance, we are happy to help you.  However, details about your particular coverage must be directed at your Insurance Company’s Member Services Department.  Their number is usually found on the back of your insurance card.

Deductibles and CoPayments:  You are required by your insurance plan to pay any co-payment, co-insurance, or deductible that is due at the time of service.  We are required by our contract with your insurance plan to collect these co-payments and deductibles.  For your convenience we accept cash, checks, Visa and MasterCard credit cards.

Please Notify Us:  at 757-481-3366 any time you have a question about your billing statement or your name, address or Insurance information changes. 

Pre-Authorizations:  We do get Insurance Authorizations for surgical procedures and global obstetrical care; however we encourage our patients to always confirm with their Insurance Company prior to surgical procedure or delivery that their plan covers their charges.  An authorization does not mean that the procedure will always be covered, it is best to check with your carrier.  Their number is usually found on the back of your insurance card.

Referrals:  You are not required in the state of Virginia to have a referral to see your OB-GYN.  Patients are granted direct access.

Lab, Pathology and Anesthesia Fees:  Please be aware that lab fees (for blood work), pathology fees (including pap smears) and Anesthesia fees (if you have surgery) are separate from our office charges and may be billed directly to you by the lab, pathology or anesthesia group.