Insurance Plans

TPMG accepts insurance from the list of carriers below.

Although we have group contracts with all of the insurance carriers listed, please contact your physician’s office to find out if your physician accepts your insurance.  Not all physicians actively participate in all TPMG list of carrier plans, therefore, it is important to verify that your physician participates in order to avoid additional out-of-pocket expenses.  If you have questions regarding your insurance, please contact your insurance company.  For questions regarding your bill, please contact our Central Billing Office at 757-232-8777.

  • Aetna (participating in all Aetna health plans except for Medicare plans)
  • Anthem (including Anthem Exchange Plans)
  • Blue Cross/Blue Shield Federal
  • Cigna
  • Coventry/Southern Health
  • Healthkeepers
  • Healthkeepers Plus
  • Humana Medicare
  • Mailhandlers
  • Medicare
  • Medicaid
  • Optima (including Optima Exchange Plans)
  • Tricare Prime (complete listing of provider’s accepting new patients)
  • Tricare Standard
  • United Healthcare
  • Virginia Health Network (VHN)
  • Workers’ Compensation

Insurance Policies

Please present your current insurance identification cards to our receptionist at the time of each visit so that we may process timely insurance claims on your behalf. TPMG participates with most major insurance carriers and Health Maintenance Organizations. If you have any questions regarding our insurance participation, please contact our TPMG Central Billing Office at (757) 232-8777.

As a service to our patients, we will file your primary insurance claims with your carrier(s). Please remember that your insurance is a contract between you and your carrier, and that you are ultimately responsible for the payment for all services provided to you. Patients are encouraged to become familiar with their insurance policy including its coverage, limitations, regulations concerning referrals and pre-authorizations and payment requirements. The more acquainted you are with the specific requirements of your insurance policy, the better we can assist you in fulfilling your obligations and receiving coverage.

Most insurance carriers require patients to pay a deductible and co-payment for their medical care. Managed care plans require the practice to collect the copayment at the time services are rendered. If you are uncertain about the amount of these required payments, please review your insurance policy and coverage agreement prior to your appointment. Payment of all deductibles and copayments is required at the time of each visit.

We do not routinely file third insurance. If requested, we will gladly provide you an itemized statement for you to send to your insurance carrier along with your reimbursement claim.

Your insurance carrier may determine that a service provided to you is considered to be non-covered, or because in their opinion, the service is not essential to the diagnosis and treatment of your illness. Rest assured that our physicians’ primary concern is that of your good health and wellbeing. Our physicians only order diagnostic testing and treatments that, in their expert opinion, will benefit your medical condition. If we anticipate that a service will not be covered by your insurance, you will be asked to sign an “Advance Beneficiary Notice” (ABN) if you have Medicare, or a general waiver if you have commercial insurance that assigns financial responsibility to you for the service. Although TPMG cannot accept responsibility to negotiate a settlement with your insurance carrier, we will assist you in obtaining timely and appropriate reimbursement.

If you have any concerns about your insurance, please contact your insurance carrier. It is your responsibility to help keep your medical record up-to-date. Please advise us of any change in your name, address, telephone number or insurance carrier.

Fees and Financial Arrangements

Fees for services at TPMG are consistent with those customarily charged at similar offices and facilities in the area. Charges are based upon the nature of the procedure, as well as the amount of time and professional skill that the procedure requires.

Payment from self-paying patients is due at the time services are rendered. Should a situation arise that requires special payment consideration, please discuss it with the Office Manager at that particular location or the TPMG Central Billing Office Manager, who will arrange an individualized payment plan.  The TPMG Central Billing Office Manager may be reached by calling (757) 232-8777.

Patients involved in litigation are responsible for making payment arrangements prior to receiving services. If you have any questions regarding your bill from TPMG, or if you are uninsured or experiencing financial difficulties, please contact the TPMG Central Billing Office at (757) 232-8777, so that we may help you establish a mutually acceptable payment plan.

All of the services provided to you from your TPMG physicians will be consolidated on one statement. You will also receive separate statements from entities for other services rendered, including specialists, reference laboratories and hospitals. If you have questions or concerns regarding your TPMG statement, please call our TPMG Central Billing Office during work hours at (757) 232-8777. If you have questions or concerns about statements from other physicians, please call their office directly.

For your convenience, we accept cash, checks, money orders, VISA, MasterCard, Discover and American Express. Payments may also be made through Patient Portal or by clicking the Pay Online tab located on our Home page of our website.

We value the trust and confidence you have demonstrated by selecting Tidewater Physicians Multispecialty Group for your healthcare. If you have compliments for our staff, or suggestions on how we may best serve you, please let us know. We believe that the highest compliment we can receive is when you recommend us to your family and friends.