Billing & Insurance
Our contracts with health insurance plans change each year. But as of January 1, 2025, we accept the following forms of health insurance:
Aetna
Medicare
Cigna PPO
First Choice Health Network
First Health
Premera PPO
Regence PPO
United Healthcare PPO
Health Exchange
Ambetter (Coordinated Care)
Molina Market Place
Medicaid
Amerigroup
Coordinated Care (for Foster Care only)
United Healthcare Community
Straight Medicaid (Original Medicaid)
Medicare
Amerigroup Medicare Advantage
Straight Medicare (Original Medicare)
United Healthcare AARP
United Healthcare Dual Complete
Please contact us at support@unibecare.com for more information regarding your eligibility and insurance.
As a courtesy, we’ll process your health insurance claims on your behalf to your respective insurance provider. Please keep in mind that you are solely responsible for any service fees rendered when your coverage is not in effect, or when payment falls under “patient responsibility” as determined by your insurance provider.
I have insurance. Why did I receive a bill?
Before we start answering this question, let’s define some key terms first.
A deductible refers to the amount a patient pays before the insurance plan pays anything. In most cases, deductibles apply per person per calendar year. With preferred provider organizations (PPOs), deductibles usually apply to all services, including lab tests, hospital stays and clinic or doctor’s office visits. Some insurance plans waive the deductible for office visits. Some plans have service-specific deductibles. For example, if you have a deductible of $1000, it means that you’ll have to pay up to $1000 towards certain healthcare services before your insurance will begin to pay on your behalf.
Your allowed amount is determined by your insurance to be the amount your provider is due for a particular service. This amount is usually less than the amount billed by the provider and is determined by pre-negotiated contracts or regulations. The combined total paid by you and your insurance to a provider should not exceed the allowed amount when we are in-network with your plan. Call your insurance company for more information.
Co-Insurance is the amount you must pay after your insurance has paid its portion, according to your Benefit Contract. In many health plans, patients must pay for a portion of the allowed amount. For instance, if the plan pays 80% of the allowed amount, the patient pays the remaining 20%. If your plan is a preferred provider organization (PPO) or other narrow network type of product, your co-insurance costs may be lower if you use the services of an in-network provider on the plan’s preferred provider list. Call your insurance company for more information.
A Co-Pay (copayment) is a predetermined, fixed fee that you pay at the time of service. Copayment amounts vary by service and may vary depending on which provider (in-network, out-of-network, or provider type) you see. The amounts also may vary based on the type of service you are receiving (for instance, primary care vs. specialty care). For prescriptions, copayment amounts may vary depending on name-brand versus generic drugs. Call your insurance company for more information.
Deductibles and coinsurance rates depend on the type of insurance plan you have. With that in mind, you may have received a bill from us for one of the following reasons:
You haven’t satisfied your deductible, as outlined in your insurance plan.
Your insurance denied our claim.
You’ve met your deductible, but have not paid your coinsurance and copay for the visit.
If you have questions about your plan, we encourage you to call your health insurance today. Their number can be found on the back of your insurance card.
For more general information about understanding your coverage, please visit the site below: