We participate in all major Colorado insurance plans.

Deductibles—Help!

Insurance companies' 'deductibles' shift costs to patients. Often patients don't understand "deductible" and we're the first to deliver unwelcome information often causing anger toward us. This hurts: we work to treat each patient as we would like to be treated. We cannot change insurance policies.

"Deductible" means: YOU HAVE NO INSURANCE COVERAGE UNTIL YOU PAY YOUR DEDUCTIBLE AMOUNT. By strict contract, your insurance company also determines the price of each service we provide.  

If you have money in a Health Savings Account, you can pay from there; if you do not, then according to insurance companies’ rules, you pay personally.

CoPay often further confuses the issue: "No CoPay" does not mean "No Deductible".

Please help us:

1. Understand the deductible part of your insurance
2. When we must be the messengers of unexpected, unwelcome rules, please realize that we can’t change them.  

What can we do about this? We can work more closely together. How? Make more effort and take more time to discuss and decide how much further testing is likely to benefit you. I know from experience that the decisions we make carefully together are probably the best.

I know that the best value in medical care is having an experienced, dedicated and knowledgeable physician respectfully listen, appropriately examine, carefully consider, and clearly, prudently advise you. I’ve dedicated my life to be this type of physician.  

Fees - How Do We Determine Our Charges?

We don’t, your insurance company does.

Ingenix, owned by United HealthCare, publishes a large book (3 ½ pounds in 2009) with a comprehensive list and definitions of possible medical services.

We describe the services we provided for you and report them to your insurance company. They set the payment.

Either you or your insurance company pay the billed fee. Your insurance company agreement decides whether your or your insurer pays.