When you schedule an appointment, we ask for an image of your insurance card, which is then added to your patient profile. Our medical biller uses these images to verify your eligibility. Although we try our best, insurance providers will sometimes provide inaccurate information. You are responsible for knowing the full scope of your benefits. We suggest calling your insurance provider to verify coverage.

Each insurance company has multiple plans with different deductibles, copays, and coinsurance. For this reason, costs vary for our patients using insurance. We recommend contacting your insurance provider to find out the specific details for your plan.

If you have a copay, we will collect this on the day of your appointment.

If you have a deductible or coinsurance, we will collect $35 on the day of your appointment that will be applied towards the balance of your visit after the claim is processed.

Clear Sky requires a card on file during registration to ensure a smooth billing process and to allow our team to focus entirely on your care.
Please be assured that you are not charged at the time of booking.

After your visit is complete, we will bill the insurance we have on file. After the claim is processed, your card will be automatically charged for the balance of your visit (minus any coinsurance or copay that was already collected the day of the visit) — no manual invoices or due dates to track.

Coinsurance is the percentage of the visit cost that you are responsible for paying after your insurance processes the claim. Unlike a copay, which is a fixed dollar amount, coinsurance depends on the allowed amount set by your insurance plan.

Example: If your visit is $100 and your coinsurance is 40%, you would pay $40, and insurance would pay the remaining $60.

Your deductible is the specific dollar amount that your insurance company requires you to pay before your plan will begin paying for your visits. For example, if your insurance plan has a $2,500 deductible, you will need to pay out $2,500 in care expenses before your insurance plan will begin paying. 

If you are not sure of the amount of your deductible, contact your insurance directly and they will tell you that amount, as well as what services it applies to, and how much of it has been met. The back of your insurance card will typically list a Member Services phone number that you can call for this information. 

Every year, your deductible resets to zero. Until you’ve spent enough on healthcare costs to hit your required deductible amount, you’ll likely find your medical bills to be higher since you’re paying a larger portion of them.