Insurance and Billing
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.
|Amerihealth NJ HMO-POS||Cigna HMO, PPO Indemnity||MAMSI|
|Amerihealth Administrators||Coresource(PHCS Networks)||MDIPA/Optimum Choice|
|Amerihealth||Coventry||Medicaid/MD and DE|
|American Progressive (Today’s Options)||Definity Health Plan||Medicare|
|Aetna/USHC HMO, PPO Indemnity||Health Options||One Net PPO, Personal Choice|
|Aetna Medicare||Devon Health Care||Primary Select|
|Highmark BC/BS of DE IPA, POS, PPO, Managed Care, Pre-Cert, BRAVO||Fidelity Benefit Administrators||Private Health Care Systems(PHCS)|
|BC/BS National Accounts (Chrysler, GM)||First Health Plan||Tricare (Not HMO)|
|Out of State BC/BS with Suitcase logo (PPO)||Great West||United Health Care PPO|
|Federal BC/BS||Health Care Preferred||United Health Care Community Plan (DE Only)|
|Champus (Not HMO)||Keystone|
Insurances We Do Not Accept:
|Americhoice/Amerigroup/Americaid||Employers Health Plan||Priority Partners|
|Beech Street||Horizon Mercy||Tricare HMO|
|Carefirst BC/BS Bluechoice Plan||One Health Plan||Preferred Health Network (PHN)|
|Cigna HMO of NJ||Intergroup||United Health Care Family First (Medicaid MGD Care)|
|Diamond Plan||Maryland Physicians’ Care||United Health Care of Mid-Atlantic HMO|
|Family First Maryland Medicaid||MHIP(Maryland Health Insurance Plan)||United Healthcare Community Plan (MD, PA, NJ)|
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.
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.