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If you suffer from hemorrhoids, the last thing you need is confusion over how your health insurance plan works.

A member of our team will contact your insurance company to verify plan coverage and out-of-pocket patient responsibility. You will be provided with a cost estimate prior to proceeding with treatment. Most insurers cover a variety of minimally invasive treatments for hemorrhoids, when deemed medically necessary.

We are committed to offering affordable and accessible care. Our treatments are covered by most major insurance plans. Below is a list of the most common insurance carriers that are accepted at all of our locations.

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We Got You Covered with these Participating Health Plans:

This listing reflects current Hemorrhoid Institute participation, contracts etc. However individual physician’s network participation may vary. In order to receive the highest level of benefits, please check with your health plan by calling the number on the back of your insurance card to verify physician participation. Please note that insurance company websites may not be up-to-date.

If you don’t see your insurance plan, call our office 203-426-5554 today to see if we’re in network.

What Can I Do If I Don’t Have Health Insurance?

If you are avoiding treatment because you don’t have health insurance, we want you to know there’s help available. Hemorrhoid Institute offers the following options:

  • Discounted, affordable cash pay rates

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In the following section, we will describe several common insurance terms:
Copay
This term is short for copayment, or the amount that you are required to pay at the time of service for a covered healthcare service. This amount can vary. For instance, you may have a copay of $20 per doctor’s appointment or $100 for an emergency room visit. Often, insurance plans with lower monthly premiums have higher copays, and vice versa.
This is the amount you pay for covered services before your health insurance plan takes over and starts to pay. If you have a $1,000 deductible, you must pay for all healthcare services until costs reach $1,000. Not all insurance plans involve a deductible. Some plans may have a copay for office visits and/or procedures and deductible for ultrasounds.
Some health insurance plans require that you pay a percentage of expenses after reaching your deductible. Co-insurance is a percentage of the insurance rate that is shared by the patient. For example, an 80/20 plan means that after reaching your deductible, your plan will pay 80% of expenses. You will be responsible for the other 20% until you reach your plan’s out-of-pocket maximum.
This involves any healthcare expenses that aren’t covered by your insurance plan. These can include copays or coinsurance charges, and all accrued costs before reaching your deductible.
Health Savings Accounts (HSA) or Flexible Spending Arrangements (FSA) set aside tax-free funds for out-of-pocket expenses. An HSA is used in conjunction with a high-deductible health insurance plan. An FSA is used similarly, but only offered as part of an employee benefits package.
You may be able to use CareCredit as a method of payment for out-of-pocket medical expenses. If approved for this medical financing option, you can use it to receive special financing terms for health expenses. This can be particularly helpful if you are not covered by health insurance but need medical services.
Each insurance has its own Medical Policy in regard to hemorrhoid treatment. Some procedures may require prior authorization while others may not. Hemorrhoid Institute will consult your insurance carrier’s medical policy to educate you on your coverage. Your provider develops a treatment plan based on his or her clinical findings and accepted medical standards. It is possible that some recommendations will not qualify for insurance coverage based on your specific plan’s medical policy for coverage. Please note, prior authorization means procedures meet medical policy criteria, however, it also needs to be considered a covered benefit by the actual plan.

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TESTIMONIALS

Fairfield

2193 Black Rock Turnpike, Fairfield, CT 06825

+1 203-426-5554

Newtown

33 Church Hill Road, Newtown, CT 06470

+1 203-426-5554

Milford

51 Roses Mill Road, Milford, CT 06460

+1 203-426-5554

Shelton

110 Commerce Drive, Shelton, CT 06484

+1 203-426-5554
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