PATIENT INFO

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.

Billing Questions

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, HMO

Aetna (Select): MUST be PCP (is not an HMO)

Alliance Health Medicare (HAP) *Hap labs

Anthem Blue Cross – patient has to contact insurance

ASR thru Hap *Hap labs

Assurant Health – No contract but is usually associated with a 3^rd party: 1^st Health, Aetna or Cofinity

Blue Care Network – except Dr. Joliat Sr: Blue Elect Plus Self-Referral Option, Blue Elect Self-Referral Option, BCN HMO, BCN 65 (secondary plan), MyBlue Medigap (secondary), 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, BC Premier and Preferred, BC Select (BCN plan),BCN PCP

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 – #claims go to Great West

Cofinity = PPOM

Coventry Health

DMC – higher copay/deductible

First Health

Golden Rule under UHC – #claims go to Golden Rule *UHC labs

Great West Life

HAP Alliance Medicare PPO, HAP Senior Plus PPO

HAP HMO

HAP Medicare Advantage Plan Primary Choice HMO

HAP (Alliance Health – EPA, POS, PPO, EPO, IDM, Personal Alliance)

HAP Preferred (EPA, POS, PPO, PHP) *limited x-rays

Health Partners – #claims go to Health Partners claims address. No lab restrictions

Health Plus (merged with HAP, no longer providing insurance plans)

Humana PPO, Humana Choice Medicare PPO, HMO, PFFS, Humana through Cofinity, Humana Gold Choice

Mclaren PPO, McLaren Health Advantage

Medical Mutual – claims sent to clearing houses for pricing based on where patient lives. Have to call every time for claims submission address. We may NOT par with all clearing houses. Claims are then sent to out of network insurance for pricing

Medicare

Medicare Plus Blue (Medicare Advantage)

Meritain – must call to see where claims go

Multiplan = PHCS (as long as PPO)

PHCS

Priority Health = (Preferred Choices) PPO,EPO, HMO, POS, Narrow Networks: Beaumont,

Priority Health Medicare Advantage HMO (eff 11-8-16), Priority Medicare Select PPO, Priority Medicare Merit PPO

Railroad Medicare

Total Healthcare – #claims go thru Cofinity-higher copay/deductible *we are not par w/Total Healthcare but can submit to Cofinity

Tricare (Champus)

UMR = Beaumont

UMR (United Healthcare) #claims go to UMR *UHC labs

United Healthcare PPO (All Choice, All Select), UHC Community (May say MI Individual Exchange Benefit Plan)

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)

United Physicians

Insurances We Do Not Accept

ABS Smarthealth – #must bill thru BCBSM, pt will have higher copay/deductible

Aetna HMO

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, BCN Advantage Community Value, BCNA Connected Care

Blue Choice: We can bill but patient has a copay/deductible

Blue Cross Complete (Medicaid plan)

Blue Cross Blue High Performance Network (prefix ABC)

Blue Cross Metro Detroit EPO (Medicaid product)

Blue Cross Preferred Plus: We can bill but patient will have a higher copay/deductible and no office visit coverage.

Some Pref Plus prefixes: UCC, UFG, DKP, FBP

Fidelis (HMO)

Harbour Health

Health Plus Advantage PPO – we can bill, higher copay/deductible

McLaren MA HMO (except Dr Price)

Medicaid

Medicare QMB