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School of Medicine
Patient Financial Policies
For 40 years, Cardiovascular Specialists of Central Maryland has been committed to providing our patients with the best in consultative and diagnostic cardiac care. In order to continue to provide our patients with the high standards of care and expertise they have come to expect, it is important that we work together to ensure accurate billing and timely payment for the services we provide. Our Patient Financial Policies outline our mutual responsibilities in this process. Click here for a copy. For those individuals who may be experiencing challenges in making payment for the services provided by our office, please click here for a Financial Assistance Application.
Please be sure to bring your medical insurance card with you to each visit to our office. We currently participate with the following insurance plans:
- Aetna (all products EXCEPT Medicare Advantage HMO/PPO and Medical Assistance HMO plans)
- CareFirst BlueCross BlueShield (Maryland - all products EXCEPT Medicare Advantage HMO/PPO plans and Medical Assistance HMO Plans)
- BlueCross BlueShield (all other states)
- Cigna (all products EXCEPT Medicare Advantage HMO/PPO plans and Medical Assistance HMO Plans)
- Maryland Medical Assistance
- Traditional Medicare and Railroad Medicare
- Medicare Advantage: Johns Hopkins Advantage MD and Advantage MD Plus plans ONLY - we DO NOT participate with ANY OTHER Medicare Advantage plans
- Johns Hopkins Employee Health Plan
- Priority Partners (Medical Assistance HMO)
- PHCS and MultiPlan
- Railroad Medicare
- Tricare (all products)
- United Healthcare (including MAMSI, MD-IPA, Optimum Choice, Alliance and OneNet, EXCEPT Medicare Advantage HMO/PPO and Medical Assistance HMO plans)
- Workers Compensation
Cardiovascular Specialists participates with many major health plans. If your plan is not listed, please check with our office. However, you should always verify your benefits, including any copays, deductibles, and coinsurance, with your insurance carrier and/or your employer's benefits manager prior to an appointment with our office.
If your coverage is with an HMO plan with which we DO participate, remember that a referral is required from your primary care physician (PCP) in order for us to see you. It is your responsibility to obtain the necessary referrals. If we do not have a current referral on record, it will be necessary to reschedule your appointment.
If your coverage is with an HMO plan with which we DO NOT participate, we are not able to see you as a patient of our practice unless you have an out-of-network option and are willing to sign a waiver agreeing to be responsible for applicable deductibles, copays and coinsurance. If you do not have an out-of-network option, we CANNOT see you in our office if we do not particpate with your HMO plan.
If your coverage is with a PPO or indemnity plan that has out-of-network benefits, we can see you even if we do not participate with your plan. However, you should be aware that you may have a higher out-of-pocket copayment, deductible and/or coinsurance if we do not participate with your plan. You should also be aware that some PPO plans now require prior authorization for certain diagnostic tests even if they do not otherwise require a referral. Without such prior authorization, you may be responsible for the cost of such diagnostic testing.
You are expected to pay your copay at the time of your visit. For your convenience, we accept cash, check, and credit cards (Visa, Master Card, Discover and American Express). If you are unable to pay your copay at the time of your visit, it will be necessary to reschedule your appointment. Some insurance plans do not charge a copay for a diagnostic test only, so please check with your plan to see if you will be responsible for a testing copay.
If your specific insurance carrier is not listed, please contact our office for assistance. You may also wish to check Billing and Insurance FAQs for more information. If you do not currently have health insurance, please call 443-276-9049 to speak with our financial counselor concerning payment arrangements.