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Insurance Changes

At your first visit, our front desk makes a copy of your insurance card to keep in your file. Please have your insurance card with you at your visit. If you change insurance plans, we’ll update your record at your next visit.

Referrals and Authorization

Certain insurance plans have provisions that require you to obtain referrals when specialty care is needed. You can obtain these referrals from your primary care doctor and, in some cases, a specialty physician. Our front office staff can help you contact your doctor to acquire the referral. If you cannot get the referral by your appointment time, we can reschedule you.


The deductible is the covered expense that you and your dependents must pay before your insurance will make a payment. Speak with a representative from your insurance company if you don’t understand your yearly deductible. While we still bill your claims to your insurance company, you’re responsible for covering the payment until you meet your deductible. Keep in mind you effectively do not have a copay until you’ve satisfied your calendar/fiscal year deductible.

Non-participating Insurances

Depending on our locations, there are some insurance plans with which we don’t participate.

Non-participating Insurances — Annapolis

  • Amerigroup
  • BCBS – Healthy Blue PPO (Masked HMO)
  • CareFirst Blue Choice HMO
  • MedStar
  • Optum
  • UHC Optimum Choice

Non-participating Insurances — All Other Locations

  • Amerigroup/Americaid
  • Bravo Eldercare HMO
  • Diamond Plan
  • Freedom Health
  • GHI (Emblem)
  • Health Keeper
  • Healthlink
  • Healthsprings
  • Humana Choice Care
  • Kaiser Permanente HMO
  • Maryland Physicians Care
  • Medicare Complete HMO
  • Maryland Medicaid
  • MedStar Family Choice
  • Optima Health
  • Optum
  • MultiPlan/PHCS
  • SeniorCare
  • UHC Empire Plan (NY)

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