Coverage varies by plan and product. Please verify your benefits directly with your insurance carrier before the visit.
Insurance & Billing
Insurance Coverage and Billing Basics for Families
We want every family to understand insurance participation and financial responsibility before the visit. This page outlines accepted carriers, billing basics, and common insurance terms in one easy place.
Billing
Payment Policy
I understand that all patient responsibility costs (including, but not limited to, copays, coinsurance, deductibles, etc.) are due at the time of service.
Methods
Credit cards, debit cards, and cash accepted.
For estimates, call us or email info@clapsmd.org
Office Policies
Review payment expectations, transparency notes, and how our team helps families understand billing responsibilities before their visit.
View policiesSelf Pay Pricing
See the current self-pay fee schedule for office visits, telemedicine, and respiratory testing, then access the Self-Pay Agreement if you choose to proceed.
View self-pay pricingInsurance Education
Understanding Copays, Deductibles, Coinsurance, and Out-of-Pocket Costs
These terms affect what you may owe before, during, and after a visit. If you are unsure about benefits, our team can help you understand the basics, but final benefit details come from your insurance carrier.
Copay
A fixed amount you pay at each visit, such as $20 or $30, based on your insurance plan.
Deductible
The amount you must pay out of pocket each year before your insurance begins sharing the cost of covered medical services.
Coinsurance
After your deductible is met, coinsurance is the percentage split between you and your insurance plan, such as 20% from you and 80% from insurance.
Out-of-Pocket Costs
This includes the total you pay in a year through deductible, copays, and coinsurance until you reach your out-of-pocket maximum.