Our office is currently in network with Aetna, Cigna, Blue Cross and Blue Shield of California. In network coverage often means that you will pay a small copay at the time of the visit and if you have a deductible in most cases you will get a bill for the rest of the visit at the contracted rate that your insurance has negotiated up until the point that you have met your deductible. If you would like to confirm that exact amount that a visit will cost you then you can contact our office for billing codes and call your insurance to verify your current deductible status and the contracted rate for these codes that is set by your insurance.
Some services may or may not be covered as a part of your individual insurance plan including:
- Lab work
- Osteopathic Manipulative Medicine
For these services listed above, the best way to find out whether you have coverage or not is to contact your insurance company directly. You are the only one who will be able to get the correct answer on this since the details of your plan and the contract you signed with your insurance are unique to you and the obligation of the insurance company to provide this information is to you alone.
We are not currently in network with any other insurance companies. We will provide a superbill at your request in order for you to submit this to your insurance. We can not do this for Medicare or Medicaid programs and patients will need to sign an Advanced Beneficiary Notice that they have been notified that Dr. Wardwell is not a contracted Medicare provider and they are not able to be reimbursed by medicare for services at SFIIRM.
Some services are not able to be submitted to insurances due to terms of the contract between the insurance and the patient as well as the insurance and the provider. These include:
- Bio-Identical Hormone Therapy
- Functional Medicine
- Regenerative Injection Therapy
- Conscious sedation with Nitrous Oxide
For these services, the best way to pay is by setting up a Health Savings Account or Flexible Spending Account, which will set aside pre-tax money to be used for your healthcare needs. Our office can charge the amount due directly to these accounts using the credit card associated with them.