Using Your Insurance
Capital Skin & Laser will submit claims to participating insurance plans for covered medical services. Please bring your current insurance card to each visit and let us know if your coverage has changed.
Insurance coverage is a contract between you and your insurance company. Benefits, deductibles, copayments, coinsurance, coverage determinations, prior-authorization requirements, and medical-necessity decisions are established by your individual plan. Verification of insurance benefits by our office does not guarantee payment by your insurer.
You are financially responsible for any portion of your care not paid by your insurance plan, including applicable deductibles, copays, coinsurance, non-covered services, and services determined by your insurance company to be not medically necessary.
Copays, coinsurance, and un-met deductibes are due in full at the time of service.
Medical vs. Cosmetic Care
Medical services are billed according to the care provided and, when applicable, submitted to insurance.
Cosmetic services are elective and are not billed to insurance. Payment in full is due at the time of service. We accept cash, credit cards (Visa, MasterCard, American Express, Discover), debit cards, and Apple Pay. Personal checks are not accepted.
Cosmetic Consultation
An initial cosmetic consultation is required before receiving cosmetic services. The consultation fee is $150, and $100 may be applied toward eligible cosmetic treatment performed within 60 days.
Treatment Packages + Products
Treatment packages must be used within one year from the date of purchase unless otherwise stated in writing.
Product sales are final and nonreturnable except when required by law or specifically approved by the practice.
Questions About Your Coverage Our team can assist with questions about charges from Capital Skin & Laser. For questions about your specific benefits, deductible, coverage, or plan limitations, we recommend contacting your insurance company directly
Frequently Asked Questions
Do you accept insurance?
Capital Skin & Laser participates with select insurance plans for medically necessary dermatology services. Because participation and individual benefits vary, please contact your insurance carrier with questions about your specific coverage. Cosmetic services are elective and are not submitted to insurance.
Will my skin cancer screening be covered as preventive care?
Generally, no. While breast, cervical, and colorectal cancer screenings are recognized preventive services, routine skin cancer screening is not currently designated as a preventive service by the U.S. Preventive Services Task Force. Your regular insurance benefits will generally apply, including any copay, deductible, or coinsurance. Please contact your insurance carrier for details about your specific coverage.
How do I know what my visit or procedure will cost?
Your insurance carrier is the best source for information about your individual benefits, deductible, copay, and coinsurance. We can help verify benefits when possible, but benefit verification, prior authorization, and cost estimates are not guarantees of coverage or payment. Your insurance carrier determines your final responsibility after processing the claim.
Why did I receive a separate bill for my biopsy?
Capital Skin & Laser bills for performing the biopsy. The tissue is then evaluated by a pathology laboratory, which will bill you or your insurance separately. The same principle applies to bloodwork and certain other testing performed by outside laboratories.
What are a copay, deductible, and coinsurance?
A copay is a fixed amount you may owe for a visit or service. A deductible is the amount you generally pay toward covered healthcare services before your insurance begins paying according to your plan. Coinsurance is the percentage of the allowed cost you are responsible for after applicable deductible requirements are met.
Why does my EOB show that I owe more than I paid at my appointment?
The amount collected at your appointment may represent only your known responsibility at that time. Your final responsibility is determined after your insurance carrier processes the claim and applies your specific benefits.
Why do I need a credit card on file (CCOF)?
Insurance often does not determine your final responsibility until after your visit. A securely maintained payment method allows remaining balances to be collected after the claim is processed. You will receive electronic notification at least three days before a post-insurance balance is charged to your card on file.
What is a referral?
Some insurance plans require authorization from your primary care provider before you see a specialist. If your plan requires a referral, you are responsible for obtaining it before your appointment.
What is prior authorization?
Some medications, procedures, and treatments require review by your insurance carrier before coverage is considered. We will make reasonable efforts to assist with prior authorizations, but your insurance company determines approval and processing time. Prior authorization does not guarantee payment.
Who should I contact if I have questions about my insurance coverage?
For questions about your specific benefits, contact the members services number on the back of your insurance card. Capital Skin & Laser can help with questions about charges or claims from our practice, but your insurance carrier is the best source for information about your individual plan and coverage.
