Chicago Dizziness and Hearing is a customer service organization.
We are mainly paid for our work through health
insurance. We also see occasional patients who pay "out of pocket", or who have their
evaluations paid for as part of a legal or quasi-legal process (IMEs below).
We are a private practice. This means that we do not bill you twice for components of the same service, such as at hospital based practices (e.g. Northwestern Medicine, U. Chicago, Northshore, etc). There is no "hospital component" and "physician component".
Our most common insurance provider is Blue Cross/Blue
Shield of Illinois. After this, it is Medicare. We ask "self-pay" patients to pay at the time of service. Self-pay charges are set at the usual and customary
level for Chicago Illinois. Insurances that we are not contracted with, including most HMO's and Public Aid are treated as "self-pay". Self-pay status is also used for patients carrying insurances that have historically never paid CDH for its work. On request, we will provide an invoice to submit to your insurance. We accept most credit cards.
If you have questions about our billing, please call us and ask for the billing
department, or email email@example.com
We have contracts with some managed care companies through our contracting organization (NHC - Northwestern
Health Care). The following is a list of insurance that we have contracts with. Please check with your carrier to be sure.
Some of the plans that we are contracted with include
- Medicare (B)
- Aetna US
- Beech Street
- Blue Cross Blue Shield of Illinois (excluding Blue-Choice)
- CHOICE CARE (Humana)
- Cigna (Cigna-Care designated physician)
- First Health
- Great West
- PHCS and PCHSPOS
- UNITED (Premium Care physician)
The Cigna-care designated physician designation is for physicians who "are in the highest group for their results on quality measures and have the most cost-efficient group results compared to their peers". The United Health Care Premium Care program is the highest level on their quality assessment program.
Even if the name of your insurance carrier is on the list above, there is no guarantee that we are in network. Network status can change, and insurances often have many different products that may be difficult to distinguish. You should check with your carrier to be sure that we are in network.
There are many providers of health insurance, and we are not contracted with all of them. Some of the insurances that we do not have contracts with include Blue Shield Choice, all HMO plans, and Medicaid. Additionally, we do not take contingency payments.
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Independent medical examinations (IME)
These types of visits are not patient care, but rather are generally "second opinion"
visits requested by insurance carriers or legal entities. We have a set fee for these procedures.
IMEs are arranged through our billing office
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Special tests not covered by some insurances
While nearly everything that we do is covered by most health insurances, there are a few tests that we offer
in CDH that are not covered by all insurances. For instance,
Computerized Dynamic Posturography (CDP) is covered by Medicare, but not covered by either
Cigna or Blue Cross Blue Shield. Tilt-table testing has a wildly different set of requirements for coverage across insurers. VHIT testing is sometimes covered and sometimes not. Often we simply do not know whether we will be paid for our work.
For CDP tests, in persons not covered by Medicare, following the recommendation of insurance carriers, we require a signed
agreement for payment for testing by the patient, should insurance not cover the bill, before proceeding.
This is called an "ABN" form. For persons whose insurance does not pay for posturography,
the procedure becomes a "self-pay" test.
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