Direct Care FAQ’s
- Do you accept my insurance?
All patients are welcome at Clara Dermatology, regardless of insurance status. Clara Dermatology is a direct care practice, which means we do not accept insurance plans and are out-of-network for all insurance plans. Instead, we have affordable and transparent pricing for all visits, which can be found here. There are no surprise bills, and you pay for only the care you need. We are not a concierge practice and do not charge a membership fee.
Before being seen for medical services, all patients will need to sign a “Private Contract” with our office stating that they understand our direct care approach. For patients with private insurance, we will provide you with a coded receipt that you can submit to your insurance company for reimbursement, or to have charges applied to your deductible. Not all insurance companies allow reimbursement for services. It is the responsibility of the patient to check with their insurance providers about rules regulating reimbursement. Medicare patients, please see here.
For ancillary services such as pathology and prescriptions, you may choose to use your insurance or cash pay prices that we have negotiated for our patients.
We accept Health Saving Accounts (HSA), Flex Spending Accounts (FSA), cash, and credit cards (Discover, Mastercard, Visa, American Express). Payment is due at the time of service.
- Do you accept Medicare?
We welcome Medicare, Medicaid, and Tricare patients at Clara Dermatology! Clara Dermatology is a direct care practice and does not participate in Medicare or other government health insurance plans. Due to government regulations, patients with Medicaid, Medicare, Tricare, or other government insurance programs can be seen at Clara Dermatology for medical services, but cannot be reimbursed by their insurance for services rendered. Patients must sign a “Private Contract” with our office prior to their visit to contract directly with Clara Dermatology for their care.
This, however, does NOT change any of your Medicaid or Medicare benefits in any way, and your insurance will remain in full effect for the lab, x-ray, hospitalization, and all services provided by doctors who participate with your insurance. This only means that Medicaid or Medicare will not be charged in any way for the services rendered by Clara Dermatology.
- Can I be reimbursed for my visit by my insurance company?
Patients of Clara Dermatology with private insurance may choose to submit a coded receipt to their insurance company for a refund of some of their bill or to have charges applied to their deductible. Clara Dermatology makes no guarantee that you will be reimbursed for these claims. We recommend that you check with your insurance company with any questions. Please request a coded receipt at the time of your visit. In general, our patients can expect to receive > 2/3 of the visit fee as a refund from their insurance company, depending on deductibles.
Due to government regulations, patients with Medicaid, Medicare, Tricare, or other government insurance programs can be seen at Clara Dermatology for medical services but cannot be reimbursed by their insurance for services rendered. Patients must sign a Private Contract form prior to their visit to contract directly with Clara Dermatology for their care.
- Can I use my insurance for prescriptions, pathology fees, or blood work?
Yes! Patients may elect to use their insurance to pay for any necessary blood work, pathology, or prescription medications ordered by Clara Dermatology. You’ll also be able to take advantage of the low cash pay fees that we have negotiated for our patients in need of blood work, pathology, or prescriptions, and you may find that these prices are lower than those billed through your insurance.
- Can I pay for my visit using my HSA or FSA funds?
Yes! HSA or FSA funds can be used to pay for services at Clara Dermatology. We encourage our patients to consider enrolling in an HSA if available to take advantage of the many benefits.
- How do I make an appointment?
- What is the cost of an office visit?
Please see “Pricing” for more details on our transparent fees. Prices are subject to change without notice.
- What payment methods do you accept?
We accept cash, checks, debit cards, Visa, Mastercard, American Express and Discover. Health spending and flex spending accounts are accepted forms of payment for medical services. Payment is due at the time of service.