PPO, POS and HMO Plans
Currently, ARA participates with Aetna HMO and PPO, CIGNA, Multiplan, PHCS and Priority Partners. All PPO
and HMO patients are required to pay their copayment at check-in. Those patients whose plan requires a referral
to see a specialist must present it at check-in or sign a waiver agreeing to pay for all services rendered. Those
using a POS benefit will be required to sign a referral waiver and to pay any deductible or coinsurance their plan
requires. ARA will be in violation of our contracts if we fail to collect amounts you are contractually obligated to
pay.
Worker’s Compensation
ARA does not accept new patients with work-related injuries who will be using Worker’s Compensation to cover
the cost of their care. In the event that an established patient’s visit is due to a work-related injury, the patient
must provide this office with complete billing information for the Worker’s Compensation carrier prior to treatment.
We will need: active claim number, carrier name, adjustor’s name, phone number and pre-authorization by the
insurance company for your care. If the case is being contested by an employer, then it will not qualify as a
worker’s compensation case until an independent medical examiner or the court rules. In this circumstance we
will bill the patient’s health insurance carrier. If a patient does not have health insurance, payment will be required
at the time of service.
Liability Cases/Auto Accidents
ARA will not bill the personal injury protection (PIP) portion of your auto insurance coverage. Physicians will treat
patients injured in personal injury or auto accident cases, but the patient’s own health insurance carrier will be
billed for all services rendered. In the event that a patient does not have health insurance (or their health
insurance denies the claim), payment will become the responsibility of the patient.
FMLA and Disability Forms
ARA physicians do not fill out FMLA forms nor do they provide disability assessments or supporting documents for
patients unless they have been seen for at least 6 visits and / or have been a patient of the practice for at least one
year. Even beyond this time frame, your physician may determine that it is more appropriate for your primary care
provider or other specialist to manage your disability application and forms. ARA physicians do not have the
experience or training to prepare disability documents from a legal perspective. If your physician provides disability
documents, the information used will be primarily based on objective information obtained from physical
examination, diagnostic studies, and laboratory findings which may not support a disability claim. You will also be
charged a $25 fee if your physician completes the disability documents. You may be better served if you discuss
with your attorney whether disability documents should be obtained from another specialist who performs disability
evaluations on a regular basis.
All Other Insurance (Including Secondary/Tertiary)
As a courtesy to you, ARA will file your primary insurance claim once, provided that we have complete insurance
information at the time of service. We do not file secondary or tertiary insurance claims unless we are contractually
obligated to do so. Depending on the carrier, you may be asked to pay your balance in full or pay any deductible or
copayment due. Any balances not paid by the patient’s insurance company/companies within 45 days will be
charged directly to the patient.
Self-Pay
ARA offers a self-pay rate to patients who have no health insurance or have non-participating health insurance. The
self-pay amount owed is expected to be paid in full at the time of service as ARA will not be submitting a claim to
an insurance carrier. Self-pay patients are responsible for ancillary service charges such as laboratory, radiology, or
any other services performed by ARA physicians on the date of service.