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Insurance


ACCEPTED INSURANCE PLANS:

 

  • Aetna PPO

  • Blue Cross/Blue Shield PPO

  • BlueCare Direct

  • Blue Precision

  • ​​Cigna PPO

  • Coventry

  • Devoted HealthCare

  • First Health

  • Humana

  • HealthLink/Unicare

  • HFN

  • HST Care Connect 

  • Medicare

  • United Healthcare

  • BCBS HMO Illinois (your PCP must be with Advocate Good Sam)

Starting September 2023:
  • Multiplan
  • PHCS 

*Verifying details of your insurance coverage is ultimately your responsibility.

You should call the number on your insurance card

to verify that Wolowick Women's Health, PLLC

is a covered provider under your plan. 

​

It is the patient’s responsibility to understand

their own insurance policy.

Here's how insurance works...

After your visit, we submit a claim to your insurance company.  Your insurance company then determines the cost of the visit and they dictate what is covered under your insurance plan and what you may need to pay.  It usually takes between 1-4 weeks to get this information back from the insurance company, sometimes longer.

In general, one gynecological wellness exam per year
is usually covered by the insurance company.

An annual gynecological preventative visit includes:

  • breast and pelvic exam

  • Pap smear, HPV screening, STD screening

  • mammogram referral

  • prescription refills

  • discussion of birth control options

  • other maintenance-type stuff (check blood pressure, discuss weight/diet/exercise)

​

An annual exam does NOT include discussion of any "problems" or issues requiring tests, imaging, prescriptions, referrals or a lengthly discussion time.

You can be billed for both a wellness visit and a problem visit during your annual.
Common examples of this would be a patient who presents for her annual but then also needs to discuss problem periods, a vaginal infection, infertility, menopausal symptoms, depression/anxiety, or if an issue is discovered during the exam such as a breast lump or pelvic mass.

​

Your insurance plan may have a deductible, co-pay or co-insurance payment

that is applied to any "problem visits", as well as procedures or labs.

We require all patients to keep a credit card on file with us. 

Once we receive the statement from your insurance company, we will notify you in writing through our secure patient portal with a copy of the insurance statement.  We will then charge the credit card  you gave us 24 hours after your notification.  Credit cards are stored with Stripe, and their privacy and safety is guaranteed. 

(If you do not wish to keep a credit card on file, you must pay for your visit in full on day of service.)  

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