Insurance and Payment

Dr. Fernandez participates in a vast number of insurance plans. They are preferred providers for Blue Cross Blue Shield of Alabama and are also providers for Medicare, TRICARE, United HealthCare, HealthSprings, Aetna, AARP, Cigna, Cigna Allegiance, GEHA, Humana, Medicaid, and Worker’s Compensation. Additional insurance policies are accepted so if you don’t see yours listed here, please call our office.

Some insurance plans require a referral from your assigned primary care physician including Medicaid, TRICARE Prime, Cigna HealthSprings, and United Healthcare Compass. If you are not sure if you need a referral, please contact your insurance provider or our office. We will be happy to assist you.

How much will my insurance policy pay?

Payment by an insurance company varies from policy to policy. Therefore, it is impossible to give you a guaranteed quote at the time of service. We estimate your portion based on the most up-to- date information we have, but it is only an estimate.

Most patients have an insurance policy that covers the majority of the fees charged for surgery and office/hospital visits. Typically a portion of the balance is assigned by the insurance company to the patient in the form of a copay, coinsurance, deductible, etc. Our staff makes every effort possible to verify your insurance coverage based on what you and/or your carrier have represented to us. However, insurance has become increasingly complicated. If you have any questions concerning your coverage, please discuss this with your insurance company before surgery.

Please note that all copays are required at check-in.