INSURANCE

Founded by Gary Nackman, M.D., NJ Vein Care and Aesthetics Center is dedicated to treating patients with all aspects of venous disorders, from varicose and spider veins to chronic venous insufficiency resulting in wound problems. We also provide a variety of aesthetic services not typically covered by insurance. 

We specialize in providing individualized care for all patients. Our compassionate, professional staff is dedicated to providing the highest level of care possible. Because we are physician owned, we are patient driven. This means that we can focus more on providing excellent care, and less on the bottom line. We are not tied to any large medical corporation. 

Although we do offer same-day appointments when available, we encourage making appointments as far in advance as possible. Our friendly staff will be happy to answer any questions you have regarding scheduling and payment arrangements.

In order to reduce confusion and misunderstanding between our patients and the practice, we have adopted the following financial policy. If you have any questions about the policy, please discuss them with our office staff or Dr. Nackman. We are dedicated to providing the best possible care.

Unless other arrangements have been made in advance, full payment is due at the time of aesthetic services. For your convenience we will accept cash, check, or credit card for payment. We also participate with CareCredit.

We are "in network" with Medicare, Horizon Blue Cross/Blue Shield of NJ, Aetna, United Health Care, Magnacare, Amerihealth, Qualcare, Oscar, Carepoint Health Plans, Health Republic, Medicaid and Cigna.

We are in network with some Medicaid or Managed Medicaid plans.

If you have other medical insurance with "out of network benefits", we will work with you to obtain coverage for procedures performed due to medical necessity. We do accept "out of network benefits."

Having Insurance Does Not Mean All Expenses Are Covered Or Paid In Full!

What Are Out Of Pocket Expenses?

Deductible

The amount you must pay for covered services before your health insurance kicks in.

Scenario: A patient has a deductible of $1,500 and requires hospitalization that costs $2,000. The patient would need to pay the $1,500 deductible and then the plan would pay for a portion of the remaining $500 (based on the plan specifics). The insurance company will not pay for anything until the patient has paid $1,500 for health care costs. This is also referred to as meeting the deducible.

Coinsurance

The percentage of the bill you pay for a covered service or product.

Scenario: A patient needs to visit an in-network doctor who has 20% coinsurance and a $1,500 deductible which has previously been met. If the contracted rate between the insurance company and the Doctor is $200 then the patient is responsible for 20% which would be $40. This scenario is also referred to as an 80/20 plan.

Copayment

A set dollar amount you pay each time for covered services.

Scenario: A patient has a $30 copay for a primary care physician (PCP) and a $50 copay for specialist care such as Vascular, Cardiologist or Hematologist, etc. This means that every time the patient visits a specialist they will pay $50 and whenever they visit a PCP they will pay $30.

Your insurance plan is a contract between you and your insurance company … not the Doctor

It Is Your Responsibility To Know What Your Insurance Covers

Patients will be billed by NJ VeinCare once your insurance company has processed your insurance claim