Zarminali Pediatrics
Billing and Insurance
Our clinics partner with a variety of insurance companies to provide options for families.
Billing
You will have many options to pay your bill, including:
- During the online appointment check-in process
- Via the link listed on your patient statement
- Via the patient portal, which also has an option for setting up autopay
- Over the phone by calling your clinic
We accept American Express, Discover, Mastercard, or Visa credit cards, debit cards, and Health Savings Account cards for payment.
For more information on payments, please see our FAQ section.
Important information for self-pay patients
For our self-pay families, we kindly request a $100 payment toward the full balance prior to your child's visit. In addition, we require a credit card to be kept securely on file. This process helps us streamline billing and allows us to focus more on delivering excellent care to your family.
Price Transparency and Estimates
We believe families deserve clarity when it comes to care. If you don’t have insurance, or prefer not to use it, we’re happy to provide an estimate so you know what to expect before your child’s visit.
Billing and Collection Policy
For full details on how billing and collections are handled, please review our Billing and Collection Policy. This document explains payment expectations, available options, and what to do if you need additional support.
View our billing and collection policy
Insurance
We know that insurance changes can happen, and we’re here to help make the process as smooth as possible.
If your insurance changes, please let us know as soon as you can. If a claim is denied because we didn’t have your updated insurance, you may be responsible for the balance—but in many cases, if you’re able to provide the correct information quickly, we can often resubmit the claim and help avoid extra costs.
We require that you keep a valid credit card on file with us. You will be able to set up a maximum amount that can be charged automatically for any outstanding amounts. This reduces the need for an extensive billing department and can help us keep our resources focused on your child's care.
We highly recommend verifying that Zarminali Pediatrics is a qualified care partner with your insurance provider.
Select your state to view our current insurance partners:
Please note that we do not take any Medicare plans at this time.
We accept:
- Aetna - This does not include Medicaid or Medicare plans.
- ASR - In association with networks that we are Parr* with. For example, Health Alliance Plan.
*You would find this information on the back of your ASR insurance card. - Blue Cross Blue Shield (BCBS)
- Traditional
- Trust
- PPO (any out of state BCBS, as long as it is a PPO)
- Blue Care Network (BCN)
- BCN Focus
- BCN Premier (U of M)
- HMO
- Blue Cross Complete – Only for established patients.
- Cigna
- Cofinity
- Employee Benefits Logistics
- First Health Network – Commonly used by Petersen International Underwriters. Please call First Health to determine your coverage.
- Frontpath
- Health Alliance Plan (HAP) – This does not include Medicaid.
- Healthnet Federal
- Humana Military/Tricare East – Please note there are geographic and status restrictions with some plans. Please check with your representative at Humana Military.
- Humana Military Prime – We accept only if patient is willing to get a referral for each office visit.
- Medicaid (Michigan only) – Please note if you have CSHCS Medicaid, this plan will not cover any primary care visits. This plan only covers specialist visits (endocrinology, oncology, etc.).
- Medical Mutual of Ohio – Only for those who have a policy that reads Super Med Policy and in a Cigna PPO Network. Please call your insurance to verify.
- Meridian Choice – Commercial we are open to new patients; for Medicaid we are open to established patients only.
- McLaren – Commercial and Medicaid
- Molina - Molina MarketPlace (which is a commercial plan) AND Molina Medicaid ATTENTION: Both products are ONLY for our Oakland County Location.
- Multiplan.
- Priority Health – This does not include Medicaid.
- PHP
- PHP (U of M Michigan Care Plan)
- UMR – Only for established patients.
- UnitedHealthcare (UHC) – Commercial plans only for established patients.
- UHC Choice – Only for established patients.
- UHC Choice Plus – Only for established patients.
- United Health One, formerly Golden Rule.
Notice for Cost-sharing Plans
The following groups and other healthcare cost-sharing programs are not traditional insurance. As a result, we cannot bill these plans directly. Families with cost-sharing plans will be responsible for payment at the time of service and can submit their receipts to their plan for possible reimbursement.
- Christian Healthcare Ministries
- Christian Care Ministries (Not to be confused with Christian Healthcare Ministries)
- Clear Share
- Liberty Health Share
- Medi-Share
We accept:
- Aetna
- America's PPO
- Anthem
- Blue Cross Blue Shield (2018 Exceptions: Blue Plus Southeast MN, Blue Plus Northeast MN, Blue Plus Metro MN, Blue Plus Western MN, Northeast MN Network, Metro MN Network, Western MN Network)
- Cigna
- Health EZ
- Government Employee Health Association (GEHA)
- HealthPartners & HealthPartners Peak
- Medica & Medica Applause
- Minnesota Health Care Programs
- MultiPlan
- Patient Choice
- Preferred One
- Primewest Health
- Sanford
- TriCare
- UCare of MN
- UnitedHealthcare
FAQs
We accept American Express, Discover, Mastercard, or Visa credit cards, debit cards, and Health Savings Account cards as forms of payment during the check-in process.
Unless otherwise noted, we do not accept cash payments. If you prefer to pay by check, they can be mailed to the address listed on your statement. Our team cannot accept checks in the clinic.
To establish a payment plan, please talk to a team member in the clinic. They will advise you on the process and details.
That’s okay! You will be asked for your insurance information during new patient registration and during our digital check-in; you do not need to bring insurance cards to your visit.
These claims are submitted electronically.
Yes, to help cover the additional staffing and resources needed to care for your child outside of regular office hours, a minimal fee may be applied to visits scheduled after hours or on weekends.
This fee may be billed to your insurance, but any portion not covered will be your responsibility.
Please contact the clinic with any questions.
No, there are no extra fees for late payment.
If a balance remains after insurance processing, we will send three (3) statements, each 30 days apart.
Upon request, we will provide families who do not have insurance or are not intending to use their insurance an estimate for medical services. Please click here for detailed information.
A deductible is the amount you pay out of your pocket before your insurance company begins covering part or all of your medical expenses.
Co-insurance is a set percentage of service costs that you may have to pay after you reach your annual deductible. It can vary greatly among insurance plans, so check with your insurance provider to find out how much co-insurance you may have to pay.
Copayments, or copays, are the set payment made at the time a service, such as an office visit, is received. They can vary greatly among insurance plans, so check with your insurance provider to find out how much you may have to pay. We ask that you pay your copayment when you check in.
Patient Financial Policy
At Zarminali Pediatrics, we are committed to keeping our focus on providing the best care for your child. We have built our billing practices around supporting this goal:
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We will submit claims to your insurance company on your behalf.
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Once insurance has processed your claim, any remaining balance will be posted to your patient portal account, and you will receive an electronic notification.
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We require that you keep a valid credit card on file with us. You will be able to set up a maximum amount that can be charged automatically for any outstanding amounts. This reduces the need for an extensive billing department and can help us keep our resources focused on your child's care.
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Unless otherwise noted, we do not accept cash payments. If you prefer to pay by check, they can be mailed to the address listed on your statement. Our team cannot accept checks in the clinic.
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If a balance remains after insurance processing, we will send three statements, each 30 days apart. If payment is not received after the third statement, dismissal from the practice will occur. Families may be reinstated once the full balance has been paid.
Thank you for helping us maintain a smooth, patient-focused experience for all families in our care.
Healthy & happy futures start here
With a team that treats your child like one of our own, we’re here to celebrate, guide, and care for your family every step of the way.
