INSURANCE AND BILLING
INSURANCE PROVIDERS:
This information is effective 1/10/2023
Q: Do I have to pay my insurance co–pay in order to be seen?
A: Co-insurance and deductibles are expected at the time of the visit.
Q: What insurance does COVA accept?
COVA Spine and Pain Center accepts the following insurance:
• OPTIMA – Physician Services Only, Not Physical Therapy
• Blue Cross/Blue Shield
• Medicare
• Tricare
• Cigna
• Aetna
• United Healthcare
• Most Commercial Insurances
Insurances that Require a Referral:
• Tricare Prime
Worker’s Comp Guidelines:
• Case manager or adjuster must call and schedule the first appointment
• The following information must be provided
• Date of injury
• State of injury
• Body part injured
• Case manager or adjuster’s name and number
• Insurance name, number, address and adjuster
Plans which we DO NOT accept:
• HealthKeepers Plus
• Optima Family Care
• Optimum Choice
• Virginia Premier
• MAMSI
• Alliance
OFFICE VISITS AND TREATMENT:
Q: If I have no health insurance coverage, what is the cost of my treatment?
A: The costs vary depending on what type of treatment is needed. We will try to work with you to help you obtain the care you need.
Q: What is the cost for the office visits and procedures?
A: Please contact the office for all pricing information.
BILLING PROCEDURES/PAYMENT OPTIONS
Q: What are the billing procedures and payment options for my treatment?
A: Billing procedures are simplified by sending bills after an insurance statement and payment are received. This helps to ensure correct billing. Our Billing Office can answer any questions about your bills or to help with your questions about insurance forms. Our office accepts cash, personal checks as well as VISA, MasterCard, and Discover cards.
Q: What is a deductible?
A: This is an amount you are responsible for based on the type of coverage you have selected with your insurance company.
Q: What is the difference between my co-pay and coinsurance?
A: A co-pay is the amount designated by your carrier that identifies a set amount for the office visit. Typically, there is one for your primary care provider and a different amount due a specialty provider.
Co-insurance is a percentage due, determined by your benefit plan and the contract with your carrier and your provider.
Q: How is my cost share determined for my Health Savings Account (HSA, HIA and HRA plans)?
A: Health Savings, Health Incentive and/or Health Reimbursement plans are typically high deductible plans (i.e. $3,000-$6,000) where patients, families must pay the full insurance allowance for the services rendered. Once these high deductibles are met their benefits under a PPO reimbursement would activate.
Q: When will I receive a refund?
A: Overpayment refunds will be:
• Processed and mailed within 30 days or applied to open balances.
If you have any questions, please contact COVA Spine and Pain Center at 757-227-3820, select Option “5”
Q: When and how often will I receive a billing statement?
A: Monthly statements will be mailed to the guarantor’s home address provided at the time your child was registered at his/her appointment.
Q: What if I have any questions about my bill?
A: All questions related to your bill should be addressed by out Billing Department at 757-227-3820, Select Option “5”, Monday-Thursday 8:30 AM-4:00 PM and Friday 8:30 AM-12 PM
Q: Who do I contact if I have not received a billing statement?
A: You may call our Business Office at 757-227-3820, Select Option “5”, Monday-Thursday, 8:30 AM-4:00 PM and Friday 8:30 AM-12 PM
Q: How do I update my insurance information if it has changed?
• Call our Business Office at 757-227-3820, Select Option “5”, Monday-Thursday, 8:30 AM-4:00 PM and Friday 8:30 AM-12 PM
• Use our Patient Portal.
