(310) 939-9800

1636 Aviation Boulevard Ste. 201
North Redondo Beach, CA 90278

Insurance

We are happy to inform you Dr. Chiu is accepting new patients on a limited basis.  

If you do not have insurance, are not part of a contracted insurance plan, or if we are no longer accepting new patients under your insurance plan, we are still very happy to see you if you choose.  Your visit will be considered an out-of-pocket visit, and payment in full for the consultation and any applicable procedures will be required at the time of your visit with us.  If we are an out-of-network provider, full payment is due at the time of the visit, but we can provide a statement for you to submit to your insurance company for any possible reimbursement. New patients are encouraged to call to office at (310) 939-9800 to determine if Dr. Chiu is currently accepting new patients under their PPO plan.  We are currently not contracted with any HMO or MediCal or MediCaid Insurance Plans.

Payment and Financing

All patients are responsible for any co-pays, co-insurance, and/or deductibles as determined by your insurance.  All payment for co-pays, cosmetic procedures, and out of pocket (not billable to insurance) visits are due in full at the time of your visit.  Insurance companies do not cover cosmetic procedures.  For your convenience, our office accepts cash, personal check, Visa, Mastercard, American Express, and Discover Card.

Financing is also available through CareCredit.com for any charges over a minimum of $1,000.  You can also apply for CareCredit instantly with our help at the office, or find out if you are pre-approved with this instant application.

Affordable Care Act and Covered California Plans

The Affordable Care Act has caused many changes to the health insurance market.  Although our office is happy to help you determine eligibility at the time of your appointment, due to these recent rapid changes and insurance pre-determined limited physician networks, it may be best to contact your insurance company personally to determine whether a specific provider and/or procedure you are receiving is considered in-network or out-of-network with your insurance plan.

Common Questions Regarding Insurance:

How do I find out if Dr. Chiu is covered under my insurance plan?

Please contact our office prior to making a new patient appointment to confirm eligibility.  Online listings of “in-network” physicians may sometimes be out-of-date and there are some plans under which we are no longer accepting new patients.

How do I contact my insurance provider to determine my payment responsibility prior to a visit?

Use the member services number located on the back of your insurance card to contact a member service representative.  Inquire whether we are in-network providers, and what your responsibility will be for a specialist visit, including your copay, deductible, and any applicable co-insurance.

What information do I need to give my insurance company in order to see if my plan is contracted with my provider?

Providing the National Provider Identification (NPI) number for the physician or provider group you are inquiring about is the best way to identify if your plan has a particular provider “in-network”.  Please note, “in-network” does not mean all services are paid for by your insurance.  Often a deductible or co-insurance has to be satisfied for visits with specialists.  The NPI number can be provided to you by our office upon request.

How do I find out how much my visit will cost?

The exact responsibility of your costs after a visit or procedure is billed to insurance depends on your deductible, and your individual plan benefits.  Although our office can try to help you determine the basics of your insurance plan, it is ultimately the patient’s responsibility to understand their own insurance policy in what may be incurred out-of-pocket costs as every patients’ deductible and coverage depends not only on the plan, but the remaining deductible that still may need to be satisfied by the patient at the time of the visit.

What can I do to better understand what my coverage includes?

Speaking with your insurance broker or a member service representative from your insurance company will better inform you on the plan benefits you have, and whether your plan coverage may vary from a primary care provider to a specialty provider such as a Dermatologist.

How can I understand the specifics of my bill as a patient?

It is key to have your insurance information up-to-date, and if you have multiple insurance plans, please be sure to indicate your primary, secondary, etc insurance plan.  That way, billable visits and procedures can be properly billed to your insurance company.  If you would like the know the exact out-of-pocket cost for a certain procedure, the office would be happy to provide you with the diagnosis and procedure codes (ICD-9/10 and CPT Codes) to inquire with your insurance company.  Please note that medically necessary and/or billable procedures (biopsies, liquid nitrogen destructions, acne surgeries, medication injections, etc) may be performed by your provider as part of your medical visit to provide the best medical care as that is our primary responsibility.  If you want to decline a treatment or procedure until you know your exact out-of-pocket costs—you need to inform the provider prior  to the performance of the procedure.

 

 

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