Insurance
We accept most major insurance companies and also offer cash plans as well as payment plan options. Please call us for more detail regarding insurance and fees. Our staff will verify and explain your benefits. The following are insurances plans we accept:
- Wellmark Blue Cross Blue Shield
- Cigna
- Medicare
- Dakota Care/Carewest
- United Health Care
- Medicaid
- Aetna
- Humana
- Sanford
- Tricare/Tricare for Life
- First Administrators
- Mutual of Omaha
- Railroad Medicare
- First Choice of the Midwest
- First Choice Administrators
* We accept all workers compensation and motor vehicle accident insurance company’s.
* We also accept all secondary insurances if we are in-network with your primary insurance.
If you don’t see your insurance company, please call as the list frequently changes.
Video – Understanding Insurance Coverage
We know that the health payment process can be complex and confusing. Here is an excellent video that explains general concepts about insurance coverage.
Health Insurance Terms (Quick reference to help you understand terms your insurance company may use):
- Co-insurance: in indemnity, the monetary amount to be paid by the patient, usually expressed as a percentage of charges.
- Co-payment: in managed care, the monetary amount to be paid by the patient, usually expressed in terms of dollars.
- Deductible: the portion of medical costs to be paid by the patient before insurance benefits begin, usually expressed in dollars.
- Denial: refusal by insurer to reimburse services that have been rendered; can be for various reasons.
- Eligibility: the process of determining whether a patient qualifies for benefits, based on factors such as enrollment date, pre-existing conditions, valid referrals, etc.
- Exclusions: services that are not covered by a plan.
- Flexible Spending Arrangements (FSAs): an account that allows employees to use pre-tax dollars to pay for qualified medical expenses during the year. FSAs are usually funded through voluntary salary reduction agreements with an employer.
- Health Savings Account (HSA): a savings product that serves as an alternative to traditional health insurance. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
- Member: a term used to describe a person who is enrolled in an insurance plan; the term is used most frequently in managed care.
- Open Enrollment: a set time of year when you can enroll in health insurance or change from one plan to another without benefit of a qualifying evening.
- Out-of-pocket: money the patient’s pays toward the cost of health care services.
- Payer: the party who actually makes payment for services under the insurance coverage policy. In the majority of cases, the payer is the same as the insurer. But, as in the case of very large self-insured employers, the payer is a separate entity under contract to handle the administration of the insurance policy.
- Policyholder: purchaser of an insurance policy; in group health insurance, this is usually the employer who purchases policy coverage for its employees.
- Preferred Provider Organization (PPO): a form of managed care in which the member has more flexibility in choosing physicians and other providers. The member can see both participating and non-participating providers. There is a greater out-of-pocket expense if member sees non-participating providers.
- Premium: the cost of an insurance plan shared by employer and employee.
- Provider: one who delivers health care services within the scope of a professional license.
- Reimbursement: refers to the payment by the patient (first-party) or insurer (third-party), to the health care provider, for services rendered.
Adapted from www.apta.org