Insurance and Billing

 

Insurance

MAGIC participates with many insurance companies. It is YOUR responsibility to determine whether or not our practice is in network with your insurance company.

IF WE DO PARTICIPATE with your insurance company, all services performed in our office, at our endoscopy center (Mid-Atlantic Endoscopy Center) or at a hospital will be submitted to the insurance company unless we have received prior notification of non-covered services. All co-pays and deductibles are the patient’s responsibility and will be billed to you by MAGIC. HMO insurances may require referrals for services. If you have HMO insurance, it is YOUR responsibility to obtain the referral prior to the time of service. If you do not have a referral, you will need to reschedule the appointment or pay in full for the service at the time of the appointment.

IF WE DO NOT PARTICIPATE with your insurance company, we will not bill your insurance company. In this case YOU will be responsible for paying your MAGIC bill in full. After paying MAGIC, you may submit your itemized bill to your insurance company for partial or full reimbursement, according to the agreement that you have with your insurance company for out of network services. Please note that MAGIC may charge more than what your insurance company will pay.

Mid-Atlantic Endoscopy Center accepts most major insurance including Medicare. As a courtesy, we will bill your insurance carrier for you; however, we cannot tell you what your policy will cover. Since your insurance policy and coverage is between you and your carrier, we urge you to contact them prior to your procedure. You will be responsible for any co-pays and/or deductibles.

Please note: The following list(s) are subject to change. Please contact MAGIC’s billing department with questions. 302-225-2380, Option 7.

Accepted Insurances:
Amerihealth NJ HMO-POSCigna HMO, PPO IndemnityMAMSI
Amerihealth AdministratorsCoresource(PHCS Networks)MDIPA/Optimum Choice
AmerihealthCoventryMedicaid/MD and DE
American Progressive (Today’s Options)Definity Health PlanMedicare
Aetna/USHC HMO, PPO IndemnityHealth OptionsOne Net PPO, Personal Choice
Aetna MedicareDevon Health CarePrimary Select
Highmark BC/BS of DE IPA, POS, PPO, Managed Care, Pre-Cert, BRAVOFidelity Benefit AdministratorsPrivate Health Care Systems(PHCS)
BC/BS National Accounts (Chrysler, GM)First Health PlanTricare (Not HMO)
Out of State BC/BS with Suitcase logo (PPO)Great WestUnited Health Care PPO
Federal BC/BSHealth Care PreferredUnited Health Care Community Plan (DE Only)
Champus (Not HMO)Keystone
Insurances We Do Not Accept:
Americhoice/Amerigroup/AmericaidEmployers Health PlanPriority Partners
Beech StreetHorizon MercyTricare HMO
Carefirst BC/BS Bluechoice PlanOne Health PlanPreferred Health Network (PHN)
Cigna HMO of NJIntergroupUnited Health Care Family First (Medicaid MGD Care)
Diamond PlanMaryland Physicians’ CareUnited Health Care of Mid-Atlantic HMO
Family First Maryland MedicaidMHIP(Maryland Health Insurance Plan)United Healthcare Community Plan (MD, PA, NJ)

Missed Appointments

If you are unable to keep an appointment for a procedure such as EGD or COLONOSCOPY, you must notify the MAGIC office at 302-225-2380 Ext. 4361 AT LEAST 4 BUSINESS DAYS prior to the date your procedure was scheduled in order to avoid a $100 charge for the reserved but unused time on the schedule. Please realize that when you schedule a procedure, you are reserving a procedure room, your GI doctor’s time, anesthesia time, nursing and staff time and that time will likely go unused if you do not keep your appointment. It is almost impossible for us to fill your reserved time without 4 days’ notice because another patient that might be interested in your spot needs time to make arrangements to take off work, accomplish the bowel prep and find transportation.

If you are unable to keep an appointment for an office visit, you must notify the MAGIC office at 302-225-2380 Ext. 4361 at least 1 BUSINESS DAY prior to the date your procedure was scheduled in order to avoid a $25 charge for the reserved appointment time.

Payment Methods

MAGIC accepts VISA, MASTERCARD, AMERICAN EXPRESS, cash, check, or money order. All payments must be made at the time of service and any outstanding balance is due within 30 days, unless a prior payment arrangement has been made with the billing department. All balances that are unpaid after 90 days will be sent to a collection agency. In this event, you will be financially responsible for all collection and legal fees that MAGIC incurs related to the outstanding delinquent balance. If you have a past due balance, you must pay that in full prior to any upcoming appointment. In addition, you will be required to pay in full at the time of service for any future services.