Frequently Asked Questions

Direct Pay Frequently Asked Questions

As of December 1st, 2019 Hagerstown Dermatology & Skincare is switching to a Direct Pay practice model.

Do you take my insurance?

We work with your insurance company as out-of-network providers. You are able to file your statement directly to your insurance company and they will pay your directly.  We can provide this statement for you that is automatically prefilled and can be mailed out directly.

How much will I have to pay?

By eliminating insurance from our practice, we are able to reduce our costs and keep our fees reasonable and transparent. (See above for fee schedule)

How do I pay?

You may pay by cash, debit or credit card. Forms of payment we take are Visa, Mastercard, American Express, and Discover as well as your Health Savings or Flex Spending Cards.

What if I need pathology or lab work?

We recommend sending your lab/pathology that participates with your insurance. We typically use D-Path pathology based out of Tennessee but it’s best to check with your insurance company to make sure they are in network.

Can I submit a claim to my insurance if I have out of network benefits?

Yes. At every visit we will provide you with a statement of services. The statement of services has the necessary information to send to the insurance company. If you require additional information or have questions regarding your coverage, please contact your insurance company or benefits manager.

What if I have Medicare or Medicaid?

We will no longer participate in any government healthcare programs. Medicare will still cover medications or testing currently covered that our providers prescribed. If you have Medicare, Medicare Railroad, Medicare Advantage plan, or Medicaid the government requires you to sign a private contract annually before we can see you. This contract indicates that you understand that medical services will not be covered that you are not allowed to file a claim and neither are we. If you are anticipating labs or pathology to be done you will need to bring your insurance cards for us to give to the labs. If you have Supplemental Plans and have questions regarding your coverage or out of network benefits, please contact your insurance company.

Are you a concierge practice?

No. We are not a concierge practice as we do not charge a membership fee. Patients ONLY pay when services are rendered.

What about cosmetic services?

Cosmetic services will not change, as always payment is due at time of service.

Will I be able to use my health savings card or health reserve account for my visits?

Yes. You can pay us with your health savings credit card at the time of service. If you have a health reserve account you will still need to pay us at the time of service, get a statement of services and turn it into your insurance company for reimbursement. If for some reason you don’t have your health savings card with you, we can use another form of payment and you will need to get a statement of services and turn them into your insurance company for reimbursement.

Please call us if you have any questions.  We value you as a patient and we are grateful for you patronage and support. We look forward to seeing you again soon and providing you with exceptional care.