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Southwest Ob/Gyn

Insurance/Billing

Insurance & Billing

We would like to thank you in advance for choosing our physicians as your healthcare provider.

In order to make sure your financial arrangements are handled properly, we ask that you review the Tabs below. If you have additional questions or concerns we encourage you to contact our Billing department directly at (713) 774-6161.

Our acceptable means of payment are:

Bank check, personal check, cash or credit cards (MasterCard, VISA, Discover, and American Express) for added convenience, we also have online bill payment.

INSURANCE PLANS

  • We are contracted with some HMO and most PPO health insurance plans, including Medicare Part B.
  • Please contact the Billing department if your Medicare Part B plan has been replaced with an HMO/PPO product so that we are able to confirm our participation with your plan.
  • Our physicians are not contracted with any IPA groups, such as Kelsey Seybold or Renaissance.
  • Medicaid- We are currently contracted with Texas Children's Star and Community Health Choice for pregnant patients only.

Information regarding your WWE or Preventative Exam visit
ACOG (American Congress of Obstetricians and Gynecologist) guidelines regarding STD testing states:
Any patient 26 or older who request at their visit to have STD testing those additional test may fall outside of their WWE benefits.  Most payers will apply these tests towards your deductible, co pay and or coinsurance.

Insurance Network Plans

  • Aetna Commercial
  • BCBS Commercial PPO / POS
  • BCBS PPO Health Insurance Marketplace (HIM)
  • BCBS Medicare
  • Aetna Commercial
  • Aetna Assurant Health (HIM)
  • Community Health Choice STAR
  • Healthsmart Accel
  • Healthsmart PPO
  • Aetna Medicare Value
  • Humana HMO Gold Plus
  • Memorial Hermann Advantage HMO / PPO
  • Memorial Hermann Choice
  • Memorial Hermann Edge
  • Memorial Hermann Select HMO
  • Amerivantage Medicare HMO
  • Independent Medical Systems (IMS)
  • Multiplan PPO
  • Private HealthCare Systems (PHCS) PPO
  • Provider Select, Inc.
  • Wellcare of Texas HMO (Medicare product)
  • Three Rivers Provider Network (TRPN)
  • Medicare
  • Beechstreet
  • Cigna Commercial
  • Coventry National First Health
  • American Health Network
  • Humana PPO
  • Texas Childrens STAR Medicaid
  • United Healthcare Commercial
  • INSURANCE VERIFICATIONS

Our Insurance verification department will verify your eligibility and benefits at least two days prior to your appointment with the most current information you have provided to us.  Please keep in mind that the eligibility and benefits quoted to us by your insurance company is not a guarantee of payment. It is the patient’s responsibility to make sure their policy is active.

Your co pay, coinsurance, and or deductible amounts will be collected on the day of your visit.

  • What is a 'Co-pay'? Generally, this is a set amount of money (by the insurance) that an insured patient pays at each visit.
  • What is Co-insurance? Co-insurance is when the insured shares the cost of a medical claim up to a certain amount. For example, many companies offer plans that pay claims at 80%. This means that the patient would pay 20% of the claim.
  • What is a Deductible? A deductible is a predetermined amount of money (by the insurance company) that a patient pays out of pocket before the insurance company is responsible for any benefit payments.

Q-I have no insurance. How much will my visit cost and when am I expected to pay?

A- If you call us prior to your visit and let us know why you are coming in, we can ESTIMATE the cost of your visit. We cannot guarantee any fees until after you have had your appointment. Payment is expected at the time of service.

OBSTERICAL FEES

  • The fees for obstetrical care include medical care from your first visit after pregnancy is confirmed through your prenatal care, delivery and post partum care.  This is called your Global fee. Full payment of your obstetrical care is due by your 24th week of pregnancy.

Lab work, ultrasounds, hospital visits, visits not related to your pregnancy and circumcision are not part of the global fee and are billed separately.

Global fee is a term used to describe how most insurance companies require that we bill for your maternity care. This global fee includes all of your routine prenatal visits; the delivery and a post partum follow up visit.

You will meet with your OB Coordinator at the beginning of your pregnancy that will explain in detail your financial obligations and answer any financial questions or concerns you may have.

SURGICAL FEES

  • The surgical fee includes the procedure performed by your physician and the assistant surgeon if required.  Your post operative care is also included in your surgical fee.
  • Your financial portion is due in full before the surgery if performed.
  • Your Surgery scheduler will contact you directly and speak with you regarding your scheduling and financial information.