Insurances Accepted

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It is your responsibility to make sure that our physicians participates in your specific plan. Please make sure your insurance company has Dr. Pal or Dr. Gill listed as your primary care physician. It is also your responsibility to know your insurance benefits. Our office will not advise you of your benefits. If we are not able to verify your insurance eligibility because you have not provided us with your current insurance information, you may be required to pay for your visit.

We participate in most major insurances:

Blue Cross and Blue Shield Independent Health Univera Fidelis Medicare Tricare Cigna Aetna Excellus Humana MVP Nova Todays options United Health Care Empire Workers Compensation No-Fault

Co-pays, co-insurance, deductibles and non-covered services cannot be waived by our office. Co-pays are due at the time of service. If we must bill you for your copay, you may be required to pay a $10.00 co-pay collection fee.

If you are uninsured or underinsured, please use the below links for information regarding Health Coverage Options:
http://healthbenefitexchange.ny.gov/
https://www.healthcare.gov/
http://healthlawanswers.aarp.org

High Deductible Plans (Health Savings Accounts or Heath Reimbursement Accounts): If your insurance is a High Deductible Plan you will be required to make a down payment of at least $65.00 at the time of service. If the total cost of services rendered is more than down payment you will be billed for the remaining amount.