Chen Medical accepts most major insurance providers, including Medicare, Medicaid and many private insurance plans. We also accept Workers’ Compensation and auto accident cases as well as all Health Savings Account (HSA) plans. Our staff are available to answer any questions you may have about your individual coverage and benefits.
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Overview of Insurance Accepted by Chen Medical
Chen Medical is a full service healthcare clinic that provides the highest quality medical care to its patients. They accept a wide range of insurance plans, including: Medicaid, Medicare, Cigna Health Care, UnitedHealthcare, Aetna and Blue Cross Blue Shield. They also accept commercial health insurance plans from most major carriers.
In addition to traditional insurance coverage, Chen Medical can also help individuals with more limited financial resources access low-cost or free medical services through their partnership programs. These include programs such as Medicaid Expansion and New Jersey FamilyCare (NJFC). With NJFC in particular, eligible participants may qualify for free or discounted care based on their income level.
For those who do not have any form of medical insurance plan at all, Chen Medical offers several self-pay options that make receiving quality medical care more affordable. This includes discounts for cash payments as well as payment plans which allow patients to pay off charges over time with no interest or fees attached.
Medicare and Medicaid Coverage
Chen Medical proudly offers coverage for both Medicare and Medicaid. Both of these programs are federal health insurance plans offered to individuals who meet certain eligibility requirements. In order to be eligible for either plan, individuals must typically have limited income and resources.
Medicare is a federal health insurance program primarily available to those aged 65 years or older as well as those with certain disabilities or medical conditions. It covers the cost of medically necessary healthcare services such as hospitalizations, physician visits, diagnostic tests, mental health care, and more. Medicaid is a separate government program that provides free or low-cost healthcare benefits to qualifying individuals who may not otherwise be able to afford them. This includes children, pregnant women, adults without dependent children, seniors and people with disabilities. Coverage can include doctor visits, lab tests, medical supplies, prescription drugs and even vision care in some cases.
At Chen Medical we strive to provide quality coverage at an affordable price by offering comprehensive packages that include both Medicare and Medicaid coverage for our clients who qualify. Our staff will work with you to ensure that you get the best possible coverage so that your individual needs are met at any given time.
Private Insurance Plans
Many people are familiar with public insurance plans, but may not be as familiar with private insurance plans. Private insurance is often offered by employers or other organizations and typically covers more services than a public plan. Commonly, private insurance comes in the form of either HMOs or PPOs.
Health Maintenance Organizations (HMO) are designed to provide health care for subscribers at an affordable cost and usually restrict coverage if users go out of network for medical treatment. Preferred Provider Organizations (PPOs), on the other hand, will cover some of the costs even when users receive services from out-of-network providers. Depending on the individual’s plan, there could also be extra costs associated with seeking out-of-network care.
Chen Medical takes a variety of different private insurance plans depending on the specific provider and type of policy subscribed to by individuals or their employer/organization. Specifics regarding what types of coverage they accept can easily be found online via the Chen Medical website or through talking directly to an agent at one of their offices located throughout northern California.
Discounts for Uninsured Patients
For patients without any insurance, Chen Medical offers substantial discounts to help provide care. Patients with no coverage can take advantage of a variety of cost-saving opportunities designed to make it more manageable for them to access the medical services they need.
Chen Medical’s uninsured patient discount is applied directly at the time of service, eliminating the need for additional paperwork and hassle associated with reimbursement claims after service is rendered. These discounts are stackable with other discounts offered by Chen Medical such as our Senior Discount Program or Employee Benefit Programs making high quality healthcare even more affordable for those who need it most.
The team of clinicians at Chen Medical understand how important good health is and strive to eliminate barriers that many patients face when seeking medical care due to lack of financial resources. They want every person in their community to have access to the same level of care regardless of their ability to pay – and these discounts are just one way they’re helping make that possible.
Payment Methods Accepted
When it comes to medical expenses, customers must pay upfront if they are not insured or don’t have a payment plan. At Chen Medical, there are several accepted payment methods to make the process easier. Cash and personal checks are accepted forms of payment when making a purchase. Customers may also use their credit cards for payments, though only Visa and Mastercard will be processed.
At Chen Medical we understand that medical treatments can be expensive even with insurance coverage. To help our patients manage their finances in an affordable manner, we offer flexible financing options such as CareCredit and Compassionate Finance both of which can cover up to 100% of costs depending on each individual’s situation. We also provide no-interest financing for those who qualify. These plans enable customers to pay in installments over time without incurring extra fees so they never have to worry about coming up short.
FAQs about Insurance Coverage at Chen Medical
One of the most frequently asked questions about Chen Medical is what insurance coverage they accept. While patients often understand their own health plan, understanding what medical providers accept can sometimes be confusing.
The good news is that Chen Medical accepts a wide range of insurance plans from all major companies. This includes Medicare and Medicaid, as well as private plans such as Aetna, United Health Care, Cigna, Humana and many more. Patients who are unsure if their specific plan is accepted can call or email the practice to double check before scheduling an appointment.
Chen Medical also offers patients free quote estimates for various types of services that they offer in order to get an idea on cost before committing to treatment. They provide flexible payment options and even discounts based on family size and income levels in order to make treatments more accessible for those with tight budgets or limited resources.
