🏥 Insurance
We Accept:
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Blue Cross Blue Shield PPO
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UnitedHealthcare
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Aetna
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Cigna
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Medicare (not medicare advantage)
We Do NOT Accept:
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Any patients with Prime Healthcare (it may have BCBS label on it, but we do not accept it)
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Any HMO plans
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Any Medicaid patients at this time (Oct 1 2025)
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POS plans. These plans are hybrid. ALL even with referral are out-of-network . ALL have high deductibles. ALL cost due at time of service.
✅ Confirm Coverage:
Check your insurance’s provider directory or call the number on your card. We cannot verify coverage for you.
💳 Payment Policy
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Card on File Required for all patients (credit, debit, HSA/FSA)
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No cash or checks accepted
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Deductible Plans: If your plan has a deductible and no copay
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While you do pay a premium payments for insurance, they do not cover any service until deductible is met.
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New patients: $200 collected on day of visit
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Follow-ups: $100 collected for the follow-ups.
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Remaining balance billed after insurance processes
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If the visit costs billed is $260. Insurance may reduces to $190. Total remaining to be billed later (or credited).
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Copay + deductible plans: only copay collected at visit
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Procedures: Billed to insurance; these apply to deductible: will discuss before the procedure
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Refunds: Any credit is refunded to the original card after claims are processed
📋 Common Codes & Estimated Costs
Code Description Est. Cost
99204 New patient, moderate complexity OR 45min appointment $275
99214 Established patient, standard visit $175
11104 Biopsy (sample taken from lesion) $175
11401 Excision (full removal of lesion – cost varies based on size, higher if larger) starting at $255 up to 1cm
13100 Repair of Wound (cost varies based on defect, higher if larger) starting at $550 up to 2.5cm
11900 Injection (cyst or inflamed area) $100 up to 7 lesions
17110 Benign lesion removal (up to 14, excluding skin tags/vascular) $175
10040 Extraction/Acne Surgery $175 for up to 15 min
Pathology (if self pay): $150. This is just for H&E stain. The pathology lab will call before performing further stains.
⚠️ Additional Notes
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Not all insurances cover a skin check plus another service on the same day (Aetna, Cigna, UH some BCBS)
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A skin check may not be covered at 100%. Check with your carrier (HSA plans are not covered under federal law regardless of IL law)