Insurances and Financial Information
CTNB, now known as ONS, is in network with the following insurances:
- Commercial Plans
- Managed Medicare
- Anthem BCBS of CT – All Plans
- Commercial and exchange, including Yale-New Haven Network
- Managed Medicare
- Anthem BCBS (Outside CT)
- Empire BCBS non-gatekeeper HMO/PPO
- Cards with the “PPO” inside the Suitcase logo
- Cigna / Great West
- Commercial CT, MetroNY, and Cigna/MVP (except Harrison)
- Cigna MetroNY.
- Commercial, including exchange
- Managed Medicare
- GHI: CBP, National, Tristate (EPO, PPO); network access
- HIP: Prime and Premium
- With Connecticare: HMO/PPO/POS and Medicare
- Commercial Liberty and Freedom Plans
- Commercial Charter, Choice, Core, Navigate, Nexus, PPO, Select and Doctors plan
- Managed Medicare
- Golden Rule
- Harvard Pilgrim
- Through United Shared Services – Harrison location only.
- CT Medicare
- CT Medicaid
- Connecticutand New York State Workers Compensation
Connecticut Neck and Back Specialists participates with most Connecticut Worker’s Compensation programs. Authorization from your Worker’s Compensation carrier will be required before scheduling any worker’s compensation appointment. To expedite the scheduling process, you must have the worker’s compensation insurance company’s name and address, the adjuster’s name and phone number, the date of injury, and your claim number before your appointment can be scheduled.
It is the patient’s responsibility to cover any fees assessed by our office for services rendered that are not covered by your worker’s compensation claim.
If you have more than one injury, we require that you provide clear direction about which problem is covered under each specific worker’s compensation claim. We often require separate appointments for different problems, such as a work related neck injury versus unassociated low back pain that would be covered by your private medical insurance.
Motor Vehicle Accidents
Many of our patients come to us as a result of an automobile accident. We require all patients to provide a copy of the declarations page of their auto insurance policy before an appointment can be scheduled. We do not accept any letters of protection from attorneys for services rendered at our facility. Each patient is responsible for their bill; we do not bill third party insurances.
In Connecticut, if you have medical coverage on your auto policy, this policy must be billed as the primary insurance for any motor vehicle related injuries. If you did not purchase a medical rider on your auto policy, we will bill your private health insurance with a disclaimer of “no medical coverage on the auto policy.”
It is the patient’s responsibility to cover any fees assessed by our office for services rendered that are not covered by your auto insurance claim.
If you have more than one injury, we require that you provide clear direction about which problem is covered under each specific auto claim. We often require separate appointments for different problems, such as a motor vehicle accident neck injury versus unassociated low back pain that would be covered by your private medical insurance.
All self-pay patients are required to pay in full at the time of service. Patients with copays must pay their copay at appointment check in. Once we receive the explanation of benefits from your insurance company, you will be billed for any outstanding account balance. We require payment within 30 days.
Accounts that are repeatedly ignored will be referred either to a collections agency or an attorney. Should this occur, you may be dismissed from the Practice and asked to find a new physician.
If a check is returned for insufficient funds, you will be charged an additional fee on top of the amount of the original check.
If you need to establish a payment plan, please contact our Business Office: 203-744-9700.
For the convenience of our patients, we accept most insurances. If our Practice is out of your insurance network, we will make every effort to notify you of your financial responsibility as services are rendered.
Almost every insurance plan requires pre-approval for specialty care. Without specific approval, insurance carriers may not cover charges incurred for the unapproved visit. It is the patient’s responsibility to obtain pre-approval from their insurance carrier. Certain insurance carriers may also require a specific referral from the patient’s primary care physician.
Connecticut Neck and Back Specialists will assist patients in arranging all required authorizations needed for surgical procedures.
Our billing representatives are happy to help patients determine if Connecticut Neck and Back Specialists are participating providers in their insurance plan. Please call us at 203-744-9700 for assistance.
A co-payment is an amount established by individual insurance plans and is usually specified on the insurance card. Co-pays are a required part of your contract with your insurance carrier and increase the cost of billing unnecessarily if not paid at the time of service. It is required that this amount be paid at the time of service.
Any portion of your bill that is not covered by your insurance carrier becomes your personal responsibility. Connecticut Neck and Back Specialists will bill individuals on a monthly basis and personal balances are due upon receipt of the statement. Payment terms may be arranged through the Business Office.
Fee for Service
If you need an estimate of charges for services you know you will be receiving, please contact the Business Office at (203) 744-9700.
Release of Information Authorization
A Release of Information Authorization (PDF) is included in your registration materials. This form authorizes Connecticut Neck and Back Specialists to release information to your insurance provider as well as any health care provider involved with your current treatment. A new Release of Information Authorization should be completed any time your coverage changes and yearly thereafter to assure that your claims will be promptly filed and paid.