Advanced Dermatology has contracts with many insurance plans. Due to the numerous healthcare plans available, it is the patient’s responsibility to verify that we are in network with your specific insurance plan.

To find out if we are in-network with your insurance plan, please contact your insurance provider directly. You can find the appropriate phone number on the front or back of your insurance card. A representative can confirm whether our practice, Advanced Dermatology, A Forefront Dermatology Practice, is included in your network coverage.

Accepted Insurance Plans
We accept a wide range of insurance plans, including ACS Benefit Service, Aetna (PPO, POS, Choice Open Access, and HMOs with a referral), AM Better Health, Alliance, and various Blue Cross Blue Shield plans (PPO and Blue Choice PPO). We also work with Cigna Healthcare (PPO and Open Access), Curaechoice, Devoted Health, Equian, Exceedent, Flume Health, and a variety of Humana plans, including ChoiceCare, PPO, POS, EPO, HMO Premier, HPN, Medicare PPO, Community HMO, Choice, Gold Choice, and Gold Plus. Additionally, we accept Humana Military, ChampVA, TriWest, and Tricare for Life (Medicare supplement; Prime plans require referrals, Select plans do not). Other accepted providers include Lawndale Christian Health Center, Longevity Health Plan, Medical Cost Containment Professionals, Medicare and Medicare Railroad, and many Medicare Advantage PPO plans through carriers like Aetna, BCBS, Devoted Health, Humana, and UHC.

We also accept Meritain Health, Molina Health, Multi-Plan, NaphCare, Partners Direct, Point Comfort Underwriters, Preferred Medical Claim Solutions, and the Private Health Care Systems (PHCS) network—which includes MultiPlan, First Health, Allied Benefits, Meritain, Health Partners, and Professional Benefits Administrators. Other accepted plans include Provider Network of America, Provider Health Plan, Risk Strategies, Solidarity Healthshare, Three Rivers Provider Network, and multiple United Healthcare plans such as PPO, POS, Choice, CORE, UMR, Golden Rule, All Savers, Shared Services, United Health One, Medica Choice, and HMO (referrals required). We also accept United Healthcare Medicare Solutions PPO and HMO (with referrals), United Mine Workers, VA Community Care Network, Velocity National Provider Network, and Willow Health.

Plans We Do Not Accept
We do not accept certain plans, including Aetna’s NorthShore Aetna, HMO plans labeled with QHP or EXG, Premier Care Network, and Gold, Silver, or Bronze plans. BCBS HMO, BCBS High Performance Network (HPN), Blue Care Direct, and Community Health Plans (Medicaid) are also not accepted. Advocate Aurora Health plans may be out-of-network (look for ID numbers beginning with EAD). We do not accept Bright Healthcare of Wisconsin; Cigna Plus, Connect, and Local Plus plans; Cigna Medicare Advantage PPO; or Healthlink. Additionally, we are unable to accept Humana HMO or Humana Gold Plus (Medicare-Medicaid Plan), Imagine Health, Medicare HMO plans, or any Medicaid plans including KidsCare, Aetna Better Health, Meridian, Illinicare Health, and other government-funded programs. United Healthcare Medicaid Plans, UMR Preferred Plan through Advocate Aurora Health, Wellcare, and Worker’s Compensation are also not accepted.

If you have insurance coverage, you will receive a statement from Forefront Dermatology after we receive an explanation of benefits from your insurance provider. If you do not have insurance coverage, you will receive a statement about a week after your office visit. If you do not owe anything for a specific visit after the insurance responds, you will not receive a statement from Forefront Dermatology. You will only receive a statement from us if you have a balance on your account.

If you believe that you received a statement in error, call the Forefront Dermatology billing department at 866.630.9882, and they will be more than willing to assist with any of your questions.

Forefront Dermatology will evaluate and treat your dermatology condition regardless of insurance. For patients without insurance, an upfront charge will be required before seeing the physician. Once you are evaluated, the physician will determine the charges and bill you for any remaining balance. Fees will differ for surgical appointments.

A fixed fee that subscribers to a medical plan must pay, for their use of specific medical services covered by the plan.

This is the amount a patient owes after insurance has been filed. For example, most insurance companies only cover 80%, 85% or 90% of allowed charges and the patient is responsible for the balance.

A deductible is the fixed amount you pay out of pocket before a health insurance plan begins to cover health care costs.

In-network providers are providers who are contracted with your specific insurance plan. When providers are contracted with your plan, the benefits from the insurance company are much greater than if the provider is not contracted (out-of-network) with your plan. When providers are out-of-network with your plan, the benefits will be much less from the insurance company than if the provider was in-network. If you don’t see your billing-related or financial question answered here, please don’t hesitate to call us. We’re here to help! Call 866.630.9882.

Insurance companies rely on physicians to submit claims on procedures that in their opinion are medically necessary. Cosmetic procedures could be but are not limited to-benign moles, skin tags, acne/milia extractions and seborrheic keratosis. Also laser treatments to improve appearance or to treat acne are considered cosmetic.

It is an Explanation of Benefits that is mailed to the patient and provider, showing amount billed, amount adjusted off, amount paid (if any) or amount applied to deductible.

Please remember to contact your HR department or insurance company for questions concerning your policy. By understanding your policy better, you are an advocate for yourself!