Billing and Payment Options

Will this visit be covered by my insurance company?

MyCatholicDoctor accepts most insurances. If you do not have insurance, are out of network, or use a health sharing ministry, please see the chart below for our self-pay discounted rates. We will bill your insurance company for medical and/or mental health services. Your patient account will be billed all copay, coinsurance and/or deductible amounts in accordance with your insurance plan’s claims determination. Your coverage and patient liability will depend on your specific insurance plan, your policy, and your specific benefits. Please see below for benefits inquiries and pre-authorizations and our policy regarding copays, coinsurance and deductibles.

MyCatholicDoctor now accepts all Medi-Share patients. Your appointments will be billed in the same manner as a standard insurance plan.

Please view the list of in-network insurance plans on your provider’s profile page. Insurance enrollments are specific to each provider. If your insurance is out-of-network with the provider you wish to see, it may be less expensive for you to use our discounted self-pay rates. You can also send the provider a message or see the “In-Network Carriers” section of the provider’s profile.   

After your appointment, you will receive a bill in the mail. If you have an outstanding balance, you may also receive email, phone and text reminders. If the cost of your co-pay or “patient responsibility” is more than our low self-pay rates (see below), please contact our billing department at (314)-888-5233, option 1. We will speak with you personally and work out a financial solution.

If your insurance company is “out-of-network,” you will be billed your “out-of-network” co-pay for an office visit. For insurance pre-verification, please see below.

What about health sharing ministries?

At this time Medi-Share is the only health sharing ministry we are able to bill directly. For all others, our discounted “self-pay rates” will be billed to your patient account. If needed, please contact our billing department to request detailed receipts or other documentation required by your health sharing ministry for reimbursement. You will be responsible for obtaining reimbursement from your health sharing ministry. When scheduling an appointment, please choose the self-pay option.

What if my insurance refuses to pay?

Our billing staff can work with you to try to obtain reimbursement from the insurance company. If our billing staff is unable to negotiate payment from your insurance, we will charge you our discounted self-pay rates.

What if I am uninsured and/or unable to afford your self-pay rates?

Please speak with your provider directly regarding your needs. We are committed to caring for you.

I still have questions

You can contact our billing department at (314)-888-5233, option 1.

Our Billing Address
MyCatholicDoctor
1180 Newfield Ave.
Stamford, CT 06905
(314) 888-5233

Please call your insurance company using the number on the back of your card to verify if one of our providers will be in-network for your plan.

Full benefit inquires are more in depth and are most useful for current and prospective patients who expect expensive or ongoing care. Please keep in mind that benefits are subject to plan coverage at the time of service, and may change. Furthermore, they are not a guarantee of payment or coverage. We encourage you to double check your benefits yourself through the customer service phone number located on the back of your insurance card. We have providers in many different states, with varying insurance coverage. Please note that benefits inquiries are specific to one provider. Multiple inquiries may be submitted if you intend to see multiple providers within our organization.

To receive a complimentary benefits inquiry, please complete this form:

Benefits inquiries can take up to 10 business days for a response, though we strive for as quick of a turn around as possible. A benefits inquiry cannot be performed until the above information is provided in full.

In the event that your coverage is different than what is quoted, or if you are unable to determine if one of our clinicians is in your network, please reach out to our billing department at [email protected] or call 314-888-5233 ext.2020.

Many plans require prior authorizations before a first visit, or cover the first visit and require a prior authorization for additional care. It is the responsibility of the patient to request an authorization prior to coverage being needed. Please allow up to 5 business days for prior authorizations to be submitted. In the event an authorization is needed, please wait until you have received confirmation the authorization request has been approved prior to seeing our providers, to avoid claims denials from your insurance company.

If your insurance company or your benefits inquiry has indicated you need a prior authorization before services can be rendered, please send an email to [email protected] to make this request. Prior authorizations are not needed on all plans, and vary based on coverage.

Our pre-authorizations have three tiers for pricing. A generic prior authorization that requires an online inquiry or basic paperwork is free. You will receive an invoice with the line item “PRI00”, and no charge. Authorizations that require chart note access and peer reviews will range from $25-$50, and will be billed directly to you as a non-covered administrative service, with codes “PRI25” and “PRI50”, respectively. Please note that coverage is not a guarantee of payment from your insurance company.

Copays, coinsurance and deductibles are determined by your insurance provider and are specific to your particular benefits plan. When a claim for your visit with a My Catholic Doctor clinician is filed with your insurance on your behalf, your insurance provider will determine if a copay, coinsurance or deductible amount is due for the visit. This amount will be assigned to patient responsibility and automatically billed to you. Unlike a brick and mortar medical office, we do not collect these fees at the time of the visit. Instead, these amounts up to $75 will automatically be charged to the authorized credit card you placed on file with us when you scheduled your appointment and a receipt will be sent to your email.

In compliance with the No Surprises Act, MyCatholicDoctor is required to provide certain patients with a Good Faith Estimate. You are not required to obtain a Good Faith Estimate. Much of the same information is found in our Discounted Self-Pay Rates section above. To receive the Good Faith Estimate provided for you, please fill out this brief form, and your Good Faith Estimate will be emailed to you.

In compliance with the No Surprises Act, MyCatholicDoctor, as a virtual care organization without healthcare facilities, is required to provide the following disclosure statement to uninsured individuals and to individuals who choose to self-pay.

You have the right to receive a “Good Faith Estimate” explaining how much your health care will cost

Under the law, health care providers need to give patients who don’t have certain types of health care coverage or who are not using certain types of health care coverage an estimate of their bill for health care items and services before those items or services are provided.

You have the right to receive a Good Faith Estimate for the total expected cost of any health care items or services upon request or when scheduling such items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

If you schedule a health care item or service at least 3 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 1 business day after scheduling. If you schedule a health care item or service at least 10 business days in advance, make sure your health care provider or facility gives you a Good Faith Estimate in writing within 3 business days after scheduling. You can also ask any health care provider or facility for a Good Faith Estimate before you schedule an item or service. If you do, make sure the healthcare provider or facility gives you a Good Faith Estimate in writing within 3 business days after you ask.

If you receive a bill that is at least $400 more for any provider or facility than your Good Faith Estimate from that provider or facility, you can dispute the bill.  Make sure to save a copy or picture of your Good Faith Estimate and the bill.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises/consumers, email [email protected], or call 1-800-985-3059.

California
Notice for patients from California: Our telehealth services for California patients are rendered by “Chuck R. Colas, DO, PC”, the title of a MyCatholicDoctor company duly incorporated in California.

Texas
We are required to provide you with the contact information for the Texas Medical Board in the event that information is needed. Their contact information can be found here.

Anthem & Blue Cross Blue Shield grievance & appeal forms