Insurances

    • Abdi Benefit Plan/Healthlink
    • Access Administrators Inc.
    • Acec Health Plan
    • Acordia Nation
    • Admar Corporation
    • Administrative Concepts
    • Aetna All Plans
    • Ah & Life One Health Plan
    • Alico American Life Insurance
    • Bankers Life Insurance
    • BCBS HMO Advocate
    • BCBS Of Illinois PPO
    • BCBS Pos
    • BCBS Select PPO
    • Benefit Admistrative Systems
    • Benefit Concepts Inc
    • Benefit Trust Life Insurance
    • Benesight
    • Best Life & Health Insurance
    • Boilermakers National H&W Fund
    • BSI North American
    • Cambridge Integrated Services
    • Camm Administrative Service
    • Cannon Cochran Mgmt Service
    • Carpenters Welfare Fund
    • CBACbca
    • CBCA Admin
    • CBSACcmsi
    • CCN
    • Celtic Individual
    • Cemara Health Plan Management
    • Cement Masons Local
    • Chgo Laborers H&W Fund
    • Chgo Painters HFN
    • Choice Benefits
    • ChoiceNet
    • Definity Health
    • Definity Health (UHC)
    • Destiny Health
    • Direct Care Insurance
    • Direct Med
    • Diversified Group Admin
    • EBA&M Corp
    • EBMS
    • Elite Administration & Insurance Group
    • Employees Benefits Serivce
    • Employees Group Benefits
    • Envision Health Care System
    • First Health
    • FMH Benefits Insurance
    • Forstis Benefits Insurance
    • Galaxy Health Network
    • Gallagher Benefits Administration
    • Gallagher&Bassett
    • GE Health Manager
    • Geha
    • Golden Rule Insurance
    • Greatwest Healthcare
    • Group Administration
    • Group Resources Ins
    • Group&Pension Administrators
    • Guardian
    • Harrington Health &benefits
    • HCH Administration
    • Health Alliance
    • Health Assurance
    • Health Direct
    • Health Link
    • Health Partner
    • Health Plan Management
    • Healthplan Services
    • Healthscope Benefits
    • Healthsmart Preferred Care
    • Healthstar PPO
    • Heartford Insurance
    • HFN Inc Ppo
    • Il Dept Of Public Aid
    • Incentus
    • Insurance Center
    • Insurance Center
    • Interglobal Insurance
    • International Health Plan
    • InternÕl Benefits Admin
    • Interplan Health Group
    • JF Molly & Associates
    • John Alden
    • John Deere Health
    • John Hancock
    • Kaiser Permanete
    • Key Benefits Admin
    • Kirk Van
    • Laborers Welfare Fund
    • Loomis Benefits
    • Lumenos Insurance
    • Mail Handlers
    • Maloney Associates
    • Maritan Health
    • Masonary Institute
    • Medica
    • Medical Mutual
    • Medical Partners
    • Mediplan
    • Mega Life
    • Megellan Health Services
    • Meritain Health
    • Metlife
    • Metropolitan Life
    • Mgis
    • Mica
    • Midlands Choice
    • Midwest National Life Insurance
    • Nalc Benefits
    • National Association
    • National Iam Benefits
    • Ncas
    • Nec-ibew
    • New Century
    • New England Financial
    • Nippon Life Insurance
    • North American Health
    • One Health Plan
    • Oxford Health Plans
    • Pacific Care & Life Insurance
    • Pai
    • Pca International Inc
    • Pekin Life Insurance
    • Phcs (we take all insurances that are a part of this group)
    • Physician Benefit Trust
    • PPO Next
    • PPO Next Phn
    • Ps Health Plan
    • Refco Grp Ltd
    • Refco Preferred Plan
    • Sage Techologies
    • Samba
    • Security Health Plan
    • Self Insured Service
    • Sentry Life Insurance
    • Siho
    • Sisco
    • Smith Administrators
    • Star Hrg
    • Starmark
    • Strategic Resource
    • Superien Health
    • TCS
    • The Creamery
    • The JP Farely Corp
    • The Mega Life & Health Insurance
    • Third Party Adminstrators Inc
    • Time Insurance
    • Tricare
    • Trustmark
    • UGS Global
    • UMR
    • Unicare PPO, HMO
    • United Health Care All Plans
    • Wausau Benefits
    • WPS

Referrals

We understand that insurance plan requirements can be complicated and confusing. Please read your insurance plan's benefits very carefully in order to understand the regulations and restrictions.

One of the basic rules for patients that belong to a managed care insurance company is to obtain a referral before consulting with a specialist or before performing any procedure or laboratory examination. Please consult with your insurance's customer representative if you are not sure if those rules apply to you.

If your primary care provider deems necessary to refer to a specialist, our office will generate an electronic referral that will then need to be approved by your insurance company. Once this is completed, we will call you to let you know everything is ready. The turn around time for referrals is one to two weeks. If the primary care physician feels the referral needs to be done on an urgent basis, we will make an exception in order to speed up the process. If you see a specialist and that specialist orders tests, such as blood work or an MRI, you still need to get a referral from your primary physician before performing those tests. Without a referral, you will be unable to see the specialist, unless you plan to pay out of pocket. We are not allowed to post-date referrals, which means we cannot generate a referral after you have been seen).

If you have an emergency and feel you need to go to the emergency room (ER), we urge you to call us first to obtain prior approval. If you chose to go to the ER without the primary physician's approval, insurance coverage for the care rendered to you or your family may be denied. However, life threatening situations do not require a call to the primary physician; your insurance carrier should provide you with the information that is considered as "life threatening emergency".

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