High Deductible Insurance

This type of insurance plan requires you to meet a substantial deductible before they will pay your claims. A deductible is the amount that a patient must spend before the insurance company will pay any benefits. Deductibles usually range from $250 to $10,000. If you have a deductible, you are required to pay for your visit until you have satisfied the deductible amount.

This office offers patients two methods of payment in these instances. You may:

1. Pay the insurance-allowed amount in full at your visit; or
2. Authorize charges to be applied to a credit/debit card once the claim has been adjudicated (settled) by your insurance company.

Co-Insurance

Co-Insurance is the split between the insurance company and the patient. It is the percentage that the patient will pay of the allowed charges. For a BCBS of NC member, if one has 20% co-insurance then they are responsible for 20% of the allowed amount of the charges. Wilmington Endocrinology PA office policy is that all deductibles, co-pays, and co-insurance amounts are due at the time of service. Estimates can be calculated for you before your appointment if you contact our billing department.