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We know questions can arise on insurance matters, please feel free to discuss them with our staff.

*Blue Cross & Blue Shield of WNY
*Community Blue
*Independent Health
*Univera Healthcare

If you are a member of an Insurance Company we participate with, we will process all claims for you. You will be responsible to pay any deductible amount, co-payment, or any other balance your insurance carrier deems as your responsibility. Please present your insurance card(s) and referral (if applicable) at EACH visit as coverages often change.

* Although we participate with most plans offered by these carriers, there are several we do not participate with. Please check with our office to see if we participate with your particular plan within these carriers. We will automatically submit claims to the carriers above. Since participation may change, always check with our office to verify if we are still enrolled with your insurance carrier. If we do not participate with your insurance, you will be provided with an itemized statement that can be forwarded to your carrier(s) for reimbursement.


We are participating physicians with Medicare. This means that we will accept Medicare’s allowance and bill you for the 20% co-insurance and/or deductible for which,  according to law, you are responsible.  

Non-Par Insurance

We DO NOT participate with Medicaid, Worker's Compensation, and No Fault.  Patients with these policies (whether primary or secondary) are advised to seek care from a participating provider.

If we do not participate with your Insurance If you are NOT a member of an insurance we participate with, we require payment for the office visit on the day of service, any additional charges must be paid within 30 days. We try to simplify the preparation of insurance claims, thereby holding down costs which are unrelated to the delivery of good medical care. Therefore, we will supply you with an itemized bill which contains all of the necessary information for you to submit to your insurance carrier for reimbursement. It is your responsibility to pay any deductible, co-insurance, or any other balance not paid for by your insurance.

Multiple Insurances

If you have two or more insurances and we DO participate with your primary insurance, but not with your secondary insurance, we will process the claim with your primary carrier. After we receive payment, the balance will be transferred to your responsibility. Payment of the balance is required within 30 days. You will receive an Explanation of Benefits from your primary insurance showing when and what they paid us. You must send a copy of this to your secondary insurance (attached to a claim) so they can pay their portion of the bill if applicable.


If you have two or more insurances and we DO NOT participate with your primary insurance, but do participate with your secondary insurance you must submit our itemized bill to your primary insurance as soon as possible. When you receive any payments or rejections you must forward a copy of the Explanation of Benefits to us along with any payments so we may bill your secondary insurance for the balance. Failure to provide an Explanation of Benefits in a timely manner may result in the forfeiture of benefits from your secondary carrier.

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