Patient Resources
Billing and Insurance Made Simple
We make it easy to understand your coverage and payment options. Find insurance partners by state, access cost estimates, and review our patient financial policies — all in one place.
Find Insurance Partners by State
We partner with a variety of insurance companies to give families options for care. As insurance participation varies by both insurance plan and network, we encourage you to contact our office to confirm coverage prior to your child’s appointment.
Select your state to view accepted plans.
We accept:
- Aetna Commercial
- Ambetter Premier (formally known as CORE) & Ambetter Select Wellstar Plans
- Anthem BCBS Commercial & MA Plans ***Excludes Pathways, HPN, & Blue Value HMO Plans
- CareSource HIE & CMO Plans
- Centurion Health provides healthcare services to correction facilities.
- Cigna (Commercial & HIE) ***Excludes Local Plus Plans and MA Plans
- Oscar HIE, ***Excludes HMO product (Guided Care).
- PNOA (Provider Network of America) Commercial & Workers Comp Plans
- Pruitt MA
- Tricare
- UHC Commercial & MA Plans includes Surest Health Plan network effective 1/1/25. ***Excludes Health Exchange Plans
We accept:
- Aetna
- HMO/POS/EPO/PPO
- Open Choice PPO
- Choice POS/Aetna Choice POS II
- QPOS & Aetna Select
- Open Access Aetna Select
- Open Access HMO
- Elect Choice HMO (includes Aetna Health Funds)
- Open Access Elect Choice (includes Aetna Health Funds)
- Health Network Only & Aetna Health Network Option
- Open Choice PPO State of Illinois-SOI
- HMO (Formerly Coventry HMO) - SOI
- Choice POS II (Formerly Coventry OAP)-SOI
- Managed Choice POS
- Managed Choice Open Access PPO
- National Advantage Program (NAP) PPO
- Signature Authority (ASA or SRC) PPO
- Flexible Five Plan
- Upfront Advantage
- IL Individual PPO Exchange
- Aetna
- Choice PPO
- Enhanced Select PPO
- Duly Prime PPO
- Prime HMO-POS
- Premier Plus PPO
- Value PPO
- Value Plus PPO
- Eagle PPO
- Value Advantra PPO
- Premier Advantra PPO
- SmartFit PPO
- Plan (PPO) Trail (State of Illinois MA Plan)
- Advantra Gold PPO
- Blue Cross Blue Shield Illinois
- BlueCare Direct HMO
- Blue Advantage HMO
- HMO Illinois, physicians only
- Blue Cross
- Basic HMO
- Basic Plus HMO-POS
- Premier Plus HMO-POS
- Secure
- Choice Plus PPO
- Choice Premier PPO
- Classic PPO
- Flex PPO
- Elite PPO
- Health Choice PPO
- Protect PPO
- Saver Plus PPO
- Essential PPO
- Cigna
- Cigna PPO
- Cigna Choice Fund PPO/EPO
- Open Access Plus/Choice Fund OA Plus POS
- Cigna One Health HMO
- Cigna+Oscar Open Access Plus
- First Health EPO & PPO
- Coventry Workman's Comp
- HealthLink / Unicare PPO
- HFN
- Total Care PPO
- PPO & EPO
- Platinum EPO
- HST Care Connected EPO
- Humana Choice (PPO)
- Community HMO Diabetes and Heart (HMO CSNP)
- Community Select HMO
- USAA Honor Giveback (PPO)
- Full Access (PPO)
- Gold Choice (PFFS)
- Gold Plus (HMO)
- Gold Plus Giveback (HMO)
- Dual Fully integrated (HMO D-SNP)
- USAA Honor Giveback (PPO)
- Humana FIDE – Fully Integrated Dual Eligible Program
- Meridian, a Wellcare Company
- Meritain Health Advocate Aurora Team Member Health Plan
- Employee Essentials
- Employee Choice
- Employee Premier
- Employee OOA Essential
- Employee OOA Choice
- PHCS & MultiPlan Inc. PPO
- Private Healthcare Systems (PHCS) PPO
- MultiPlan Inc. PPO
- SEIU Local 4 HMO & PPO
- UMR
- Advocate Aurora Team Member Health Plan
- Preferred Plan: Advocate Only Network
- Select Plan
- Union Medical (Local 1546) HMO
- United Healthcare Commercial
- One Golden Rule
- Charter HMO
- Choice EPO
- Choice Plus HMO, PPO
- Choice Select HMO
- Core PPO
- Core Essential PPO
- HDHP Definity Basics PPO
- Indemnity
- Medica
- Navigate Balanced HMO
- Navigate HMO
- Navigate Plus HMO
- Healthcare Navigate POS
- NexusACO OA
- NexusACO R
- Options PPO
- Oxford
- Heritage/United Healthcare of the River Valley
- Select EPO
- Select HMO
- Select Plus HMO
- Select Plus POS
- All Savers Insurance *a United Healthcare Company
- United Surest (previously Bind)
- UHC Marketplace/Exchange Plans
- Essential Plan
- Virtual First
- Value Plan
- Copay Focus
- United Healthcare
- UHC Complete Care Support (PPO/CSNP/HMO/POS)
- UHC Group Medicare Advantage (PPO)
- UHC Complete Care IL-7 (HMO-POS C-SNP)
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
- Primewest Health
- Sanford
- TriCare
- UCare of MN
- UnitedHealthcare
We accept:
- Aetna
- Blue Cross/Blue Shield (Traditional, Federal, any out of state BcBs as long as it's PPO)
- BCBS, TN- Networks Excluded E and L
- Cigna
- Humana
- UnitedHealthcare
- TriCare (only for established patients)
- MedBen
- Local 614
- UMR
- United Health One, formerly Golden Rule
- Medi-Share
- Liberty Healthshare
- Meritain
- Oscar
- Ambetter
- Health Plans, Inc
- SnS
- Loomis
- Surest
- GEHA
- ChampVA
- HealthCompFederal
- Allstate
- HealthScope
- Allied Benefits
- Lucent
- Fox Everett
- Firefly Health Plan
- Redirect Health
- First Heath (Some Plans)
We do not accept: TennCare (Medicaid), Mississippi Medicaid
If you don't see your insurance on this list, please email the front and back of your insurance card to jrussell@allbetterpediatrics.com and we will get back to you as soon as possible. Please don't forget to give us the patient's or parent's DOB.
We accept:
- Aetna
- Anthem Blue Cross Blue Shield
- Commercial Plans: Blue Access, Blue Traditional, and Blue Preferred (excluding Aurora and Exchange Products)
- Centivo
- Commercial Marketplace
- Employer's Healthcare Coalition of WI
- Commercial Self-Insured
- Health Payment Systems
- Commercial Self-Insured
- Humana
- Independent Care health plan (iCare)
- Family Care plan
- Network Health plan
- Commercial – HMO & POS, Marketplace & Self-Insured
- Optum IPA of New York (OCHY) In Partnership with Optum -PCP's only
- Sheboygan Employers Health Network
- Commercial, Self-Insured
- Trilogy Health Networks
- Commercial Self-Insured, Worker's Compensation
- United HealthCare
- All Commercial Plans
- WPS
- Commercial-WPSHI Statewide PPO Plan
Ways to Pay
Whether you’re insured or paying out of pocket, we offer flexible options to make managing your bill stress-free.
The following payment methods are available:
- Online patient portal
- By phone
- During an office visit
- Via mailed statement
Self-Pay Families
For self-pay visits, a $100 payment is requested at check-in. Once your balance is finalized, we’ll apply that payment toward your total or issue a refund if applicable.
Price Transparency & Estimates
We believe families deserve clarity when it comes to costs. Get an estimate or learn how we calculate pricing before your visit.
Policies and Documents
We’re committed to making the billing process clear and fair. Review the full policies or read key highlights below.
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.
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.
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.
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.
