Insurance & Billing
Insurance & Billing Information
We accept most major insurance plans. A list of insurances we accept and do not accept is listed below. Please remember, it is impossible for Troy Internal Medicine to know every insurance plan. We do our best to know what plans are accepted but ultimately it is up to the patient to know their insurance.
When in doubt, please contact your insurance company and they will be able to tell you if we are a participating provider.
Fees & Payments
Payment is expected at the time of service. We will ask you for any known copays and past balances at check out. Deductibles will not be collected until we bill your insurance.
Please contact our Billing Department at 248-267-6797. If we are all busy on the phone with other patients please leave a message. We return calls daily.
How Do I Pay My Bill?
You may return our portion of your statement with either a check or credit card information. We accept Visa and Mastercard. You may also call the Billing Department at the above number to pay by phone.
If you get our voicemail you may leave your credit card information on our secure line. We require your credit card number, expiration date, 3-digit security code and the amount you want to pay.
We will make a confirmation return call to you and send you a receipt by mail if you wish.
Insurances We Accept
Advantra Freedom (Medicare Advantage)
Aetna (Choice) POS, Choice POS II, Health Network Only, Health Network Option, Limited Benefits PPO, Managed Choice POS, Open Access Elect Choice, Open Access Managed Choice, Open Choice PPO, Quality POS, Voluntary Group, Traditional
Aetna (Elect Choice – EPO): MUST be PCP (is not an HMO)
Aetna Medicare PPO
Aetna (Select): MUST be PCP (is not an HMO)
Alliance Health Medicare (HAP)
Anthem Blue Cross – patient has to contact insurance
ASR thru Hap
Assurant Health – No contract but is usually associated with a 3rd Party: 1st Health, Aetna or Cofinity
Blue Care Network – except Dr. J Mark Joliat MD & Cindy Gerstenlauer, NP: Blue Elect plus Self-Referral Option, Blue Elect Self-Referral Option, BCN HMO, BCN 65 (2ndry plan), MyBlue Medigap (2ndry), BCN Advantage, BCN Advantage HMO-POS, BCN Advantage HMO Local, HDHP (high deductible/high premium), Meijer Premium, U of M, Healthy Blue Living, BCN HRA HMO, BCN HSA HMO, BCN BC Pref, BCN Routine Care HMO, Affordable Healthcare Act plans: Catastrophic, Bronze, Silver & Gold, BCN Premier and preferred, BC Select (BCN plan) BCN PCP
Blue Cross: Blue Cross Community Blue, Blue Cross Enhanced (EPO), Blue Cross Preferred (PPO), Blue Cross Traditional, Blue Cross Premier (PPO only), Blue Cross Silver, Bronze & Platinum (PPO Only)
Choice Care Medicare
Cigna (EPO, POS, PPO Plus, HAP, POS, Open Access Plus)
Cigna Great West
Cofinity = PPOM
DMC – higher copay/deductible
Golden Rule under United Healthcare
Great West Life
HAP Alliance Medicare PPO
HAP (Alliance Health – EPA, POS, PPO, EPO, IDM, Personal Alliance)
HAP Preferred (EPA, POS, PPO, PHP)
Health Plus PPO (through PPOM)
Humana PPO, Humana Choice Medicare PPO, PFFS, Humana through Cofinity
Mclaren PPO, McLaren Health Advantage
Medicare Plus Blue (Medicare Advantage)
Multiplan = PHCS (as long as PPO)
Priority Health = (Preferred Choices) PPO,EPO, POS
Priority Health Medicare Advantage HMO, Priority Medicare Select PPO, Priority Medicare Merit PPO
Total Healthcare – claims go thru Cofinity, we can bill but the patient will have a higher copay/deductible
UMR = Beaumont
UMR through United Healthcare
United Healthcare PPO (All Choice, All Select),
United Healthcare Medicare and Medicare Advantage
United HealthcareOne – is a POS plan, patient has to pick a PCP, requires referrals but is NOT an HMO
United Healthcare Choice Plus – HMO, EPO & Plus plans (Not harvard Pilgrim)
Insurances We DO NOT Accept
ABS Smarthealth – Must bill through BCBSM, have higher copay/deductible
Aetna US Access
Blue Care Network: Blue Essentials, Blue Cross Partnered, BCN Advantage HMO MyChoice ConnectedCare, BCN Advantage HMO MyCHoice Wellness, BCN Advantage Healthy Saver, BCN Metro (EPO, HMO or hospital)/BCN Local Networks Southeast and West
Blue Choice: We can bill but patient has a copay/deductible
Blue Cross Metro Detroit EPO (Medicaid product)
Blue Cross Preferred Plus: We can bill but pt will have a higher Copay/deductible and no office visit coverage.
HAP HMO (Health Alliance Plan, PHP – different from HAP Pref PHP)
HAP POS (different from HAP Pref POS)
HAP Senior Plus
Health Plus Advantage PPO – we can bill but the patient will have a higher copay/deductible
Humana POS plans, Humana HMO plans
Blue Cross Complete (Medicaid plan)