Insurance and Billing

We accept the following insurances:

Aetna	Harvard Pilgrim Health Care	Tufts Health Plan
Blue Cross – excluding Medicare Advantage Products	Humana/Choice Care	Tufts Medicare Preferred
Cigna	Mass Health – specialty referrals only	Unicare
Fallon Community Health Plan	Medicare – Part B Services	United Healthcare – includes Evercare/Erickson Advantage
First Health/CCN Network (HCVM)	Neighborhood Health Plan – specialty referrals only	US Family Health Plan – specialty referrals only
First Seniority Freedom Plan	Multi-Plan/PHCS
Great-West Health Care	Tri-Care – excluding Prime plan	Other, please contact us

Please be sure to bring your insurance card with you each time you visit the office.

You should familiarize yourself with your insurance coverage benefits. If you have any questions regarding the acceptance of your particular health plan, please call our billing department at 781-952-1500, Monday - Friday from 8:30 a.m. – 5:00 p.m.

Harbor Medical Associates Payment Policy

HARBOR MEDICAL ASSOCIATES is pleased that you have chosen our practice for your medical care. Personal and compassionate care is the first priority amongst our staff. To keep the cost of your healthcare to a minimum, HMA requests that you please review the guidelines below.

Self-pay patients

Payment for services provided in the physician’s office is expected at the conclusion of your visit.
For your convenience, we accept cash, check and credit card payments.

Please arrive prepared to make payment at the time of service.

Patient statements are sent out monthly. Although we do not expect payment in full from our patients with financial difficulty, we do accept monthly payments. Information on automatic payment plans is available upon request.

Pay Your Bill Online

You can securely pay your bill online. Have a copy of your bill handy as you will need your Harbor Medical Account Number.

Patients with Health Insurance

Insurance is an arrangement between an individual and an insurance company (and sometimes an employer) to help that person pay the cost of medical care. Each plan has individual limitations as to what it specifically covers. Due to variations in deductible and co-payment requirements, insurance rarely covers the entire bill. There are so many new and different insurance plans available, it is impossible for HMA to be familiar with each insurance arrangement.

It is the responsibility of the patient to know and understand the details of their insurance coverage.

Please bring your insurance card to each visit so the office staff can verify eligibility.
Co-payments and any prior patient balance will be collected at the time of service.
Patients who do not present their insurance card at the time of the visit may be required to pay for the service. Due to filing limitations with the insurance carriers, it is your responsibility to inform the HMA Billing Department of your health insurance coverage within 5 business days.
Not all services may be covered by your insurance plan. Therefore, the obligation to understand what services are covered remains your responsibility.

You may be required to sign a non-covered services waiver so that we can bill you directly.

HMO Insurance Plan

Services requiring Referral/Pre-Certification or Authorization
Your insurance will not pay for any visit or service, which has not been referred by your Primary Care Physician (PCP). You are, therefore, responsible to confirm we receive the appropriate referral, pre-certification or authorization from your PCP. If we do not receive this form by the time of your appointment, you will be financially liable to Harbor Medical Associates for the entire fee. Your insurance company has instituted this policy to allow them to refuse payment for the non-referred visit or service.

Worker's Compensation/Motor Vehicle Accident Services

Please inform the scheduling staff that your visit is due to either a work-related injury or an auto accident.

All patients will be required to complete an information form before seeing the provider. Please bring your employer’s information, worker’s compensation or auto insurance carrier information and claim number, if available, with you.

Missed Appointments

Harbor Medical Associates finds it necessary to charge a “No Show” fee for missed appointments or for appointments canceled without 24 hours notice. We regret that we have determined it necessary to institute this policy. However, by canceling your appointment 24 hours or more prior to the appointment, you will avoid this fee.

Patient Balances

You must pay all patient balances within 30 days of receiving a bill from Harbor Medical Associates. If you have not paid your balance, in full, ninety (90) days after the date of the original bill, your account will be turned over for collection. You will be held responsible for your entire balance.