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Insurance Information

Payment, Fees, and Insurance

We accept a wide variety of insurance plans. For those without insurance, we offer reduced pricing that reflects our administrative savings for time-of-service payment.

Verifying details of your insurance coverage is ultimately your responsibility. You should call the number on your insurance card to verify that Ganger Dermatology is a covered provider.

It is no longer necessary to send statements that show you the exact same information as the Explanation of Benefits (EOB) that you will receive from your insurance plan. Not only is this a redundant administrative burden, but it is a waste of resources from printing to snail mail delivery. Once your insurance processes, they will provide you an EOB that tells you the balance they have determined is owed to Ganger Dermatology based on your contract with your insurance company. Like many other industries, from travel to hospitality, keeping a credit card on file is the new standard for efficiency and revenue capture. Your outstanding balance will be charged to a valid credit, debit, or HSA card that you are required to leave on file with our office. Co-payments can be paid at the time of your visit with the payment method of your choice (cash, check, credit card) or with the card on file. In no circumstances can we waive co-payments. Services that insurance does not cover, such as cosmetic procedures like laser treatments, Botox, fillers, and chemical peels, require full payment at the time of service.

Referrals

Some insurance plans may require you to obtain a referral from your primary care physician. They do this to save money by limiting your access to healthcare, especially to keep you from being able to see specialists. We will do our best to assist you in obtaining a referral, but since this is the result of your contract with your insurance company, if a visit is denied because a referral has not been obtained, you will be responsible for the cost of the visit. For more information about referrals required by HMO plans such as Blue Care Network, why they are necessary, and how to get them, please refer to this link from Blue Cross Blue Shield of Michigan: How do referrals work in my HMO plan?

Out of Network Insurance (Medicaid)

There are some plans we are unable to accept. Unfortunately the extraordinarily high administrative and regulatory burden of these programs make it impossible for us to serve these patients.