One of the most common questions asked is "Do you accept my insurance?" In order to provide the incomparable level of service our patients know and love, our clinic makes one simple request that patients pay in full at the time of service. As a convenience to you, we have retained a billing service to file an electronic reimbursement claim on your behalf. In order to file a reimbursment claim, please provide us with a copy of your insurance card. Please contact your insurance plan in advance of your appointment to determine your out of network eligibility and policy regarding out-of-network reimbursement.

In exchange for that minor inconvenience, we guarantee on-time appointment keeping, to take as much time as you need for as many concerns as you have in one visit, and to treat you like a person. You deserve Nurse Practitioner style health care. Typically your insurance company will reimburse you at the Out of Network rate depending on your plan and deductible. In some cases, patients have been fully reimbursed for an office visit. Please contact your insurance company or your employer benefits manager to find out more.

Payment

• Our clinic accepts VISA, Mastercard, and Discover cards. 
• A 5% discount is given in return for cash payment. 
• Sorry but checks are no longer accepted. 
• Insured patients can still use their insurance for lab work, other diagnostic testing, medications, specialist referrals, etc.

Billing Service for Insured Patients

Options for Coding and Medical Billing, LLC has been retained by our clinic to file reimbursement requests on behalf of our insured patients. This service is provided as a courtesy and is free of charge. Please click here to download contact information about our billing service.

The added benefits of a Doctor Kara, PC Nurse Practitioner Clinic visit include:

• You receive all the care that is medically necessary according to your symptoms. Instead of receiving a rushed visit that lasts 5 minutes after waiting 45 minutes, our visits are 30 minutes  (45-60 minutes for new patients) in order to give you fully personalized medical attention and treatment education.
• You have private ownership of the medical record. No one sees your medical record but a you, the nurse practitioner, and other referral providers who are involved in your treatment.
• You won't wait for your appointment. Guaranteed.
• We will see you for as many medical concerns as you may have in a single visit! Other health care providers who acccept insurances will require that you make a separate appointment for each medical concern.
  

• Contact your state and federal congressmen and senators and tell them that you prefer a free-market health care.
• Start thinking of health care insurance the same way you do your auto insurance. After all, you don't file a claim every time you change your oil or get new tires. Imagine what your auto insurance premiums wold be if you filed a claim for basic maintenance? Yet, you make sure  your car is maintained because you don't want it to break down in the middle of nowhere. Why not do as much for your own body?
• Abandon traditional insurance and purchase a catastrophic only policy. You will pay out-of-pocket for your basic health care, but still be covered when you really need it. A quick internet search for catastrophic health insurance will reveal many choices, and are often less expensive than what you are paying now for traditional health care not including your employer's contribution. If you are a member of an organization like AAA, NRA, ACM, IEEE, and many others, you will find that these organizations offer catastrophic health plans and even traditional health plans through companies you already know for s substantial discount.
  
• Purchase a Health Savings Account. Many catastrophic health insurance plans also include Health or Medical Savings Accounts. These accounts let you save money for your health care and earn intrest and have significant tax benefits. HSA/MSA is an excellent way to put away money for your basic health care and to cover your deductible. HSA/MSA is superior to traditional Flex plans in that you do not have to worry about using all of your contribution in a year or losing the surplus. What you do not use, simply rolls over to the next year and continues to accru interest.
• If you are an employer, consider offering your employees a catastrophic-only benefit package with a HSA/MSA. You will find that it will cost you and your employees considerably less, and the HSA/MSA is much easier to work with than a Flex plan. This approach allows many small businesses to offer health insurance for their employees where it would be otherwise not affordable.
• Finally, be a smart consumer. Don't be afraid to ask how much your health care really costs and what you get for your health care dollar. If you don't get satisfactory answers to your questions, keep looking.  If you are an employer, benefits manager, or covered employee, do not be afraid to demand a full accounting when your health care premiums skyrocket from one year  to the next, and don't be afraid to abandon tradition. You will get better health care for a lot less money and help to improve the health care for everyone.