INSURANCE

Please also do your own verification of benefits (VOB) in addition to the electronic one Motherhood to Menopause will do before your visit. The information below is generalizations and not specifics to any one plan.  

Each health insurance carrier/plan has different policy types - while one policy may cover some services another policy may not even if within the same employer.  

Your policy may require a referral before being seen by Motherhood to Menopause.  You can request one through your primary care provider (PCP). Your policy may also be a "self-insured" product which means it wants you to stay within a specific network of providers or you chose to stay within a certain network of providers for your care.  

Individual and family deductibles are dollar amounts that need to be met regardless whose threshold is crossed.  And most often co-pays are due at the same time. This means to spend your health care dollars for providers that are most interested in your healthcare needs and wants.

This is the breakdown, similar to 80/20, for example: Insurance pays 80% of the allowable amount and you pay 20% - after you have met your deductible.

Once you have reached your individual/family out of pocket max you may pay nothing towards your visit cost while insurance would completely cover the allowable amount though there still MAY be a co-pay due.  

For laboratory services, I utilize QUEST for processing of specimens that are collected at Motherhood to Menopause. There also is the option for me to order and for you to schedule labs at one of their Patient Service Centers (PSC).  

I utilize Rayus (formerly known as Center for Diagnostic Imaging (CDI)) and Midwest Radiology/St. Paul Radiology for mammograms, 20 week fetal anatomical ultrasounds and scans for bone loss screening for osteopenia or osteoporosis. 

I do abdominal/transvaginal dating ultrasounds for those persons greater than 6 weeks, check baby position, check placenta location, evaluate amniotic fluid levels and post-dates pregnancy testing: biophysical profile (BPP) and fetal well-being evaluation on an electronic fetal monitor. Ultrasounds with me do not evaluate the structural integrity of your baby and are for memory purposes as your baby grows.

Also available is follicle studies - to help determine timing of ovulation.  I also do intrauterine insemination or intravaginal insemination.

I am able to measure the intrauterine lining not only for pregnancy but those who are experiencing irregular vaginal bleeding and for post-menopausal break through bleeding.  

As a free service to you, I will do an electronic eligibility and benefit review of your active and current benefits.  To do this, I will need a copy of your health insurance card(s), front and back.  

I prefer to be paid by a credit card, benefit card or similar.  A check will be accepted though cash is not accepted.  Checks are made out to: MOTHERHOOD TO MENOPAUSE.  

PROFESSIONAL FEES WILL BE SUBMITTED TO MOST INSURANCE PLANS.  AT THIS TIME, I AM IN-NETWORK WITH MOST CARRIERS (THOUGH NOT WITH ALL OF THEIR POLICIES) THROUGH AETNA,  BCBS, UHC, MEDICA, PREFERRED ONE, MEDICARE, MNCARE, TRICARE, PMAP PRODUCTS, AND U-CARE.  WITH SOME HEALTH PLANS, THERE IS ALSO OUT-OF-NETWORK COVERAGE, THOUGH NOT ALL.  

HealthPartners has denied my practice an in-network contract for three years now and claims will not be submitted to them. You are able to submit your receipt of payment to them in attempt for reimbursement though they also do not provide for out of network benefits.  

SELF PAYING CLIENTS, AT THE TIME OF SERVICE, ARE PROVIDED WITH A DISCOUNT.  MY FEES ARE WELL-UNDER MARKET PRICE AND NOT WELL MATCHED BY OTHER CLINICS AND THEIR SERVICES.  THIS ALSO INCLUDES TIME SPENT FOR AN APPOINTMENT, RELIABLE AND CREDIBLE RESOURCES,  ACCESS TO ME THROUGH TELEPHONE AND EMAIL.  

THANK YOU AND I LOOK FORWARD TO SEEING YOU SOON!  - CATHERINE