Code of Practice

J. Todd Carruthers, MD: Family Medicine Physician Allen, TX

Posted: 2018-01-13 07:10

Policy options for consumers under age 65 are Personal Choice Bronze Classic, Personal Choice PPO Bronze Reserve, Personal Choice PPO Bronze, Keystone HMO Silver Proactive, Keystone HMO Silver, Personal Choice PPO Silver, Keystone HMO Gold Proactive, Keystone HMO Gold, Personal Choice PPO Gold, Keystone HMO Platinum, and Personal Choice PPO Platinum. A "catastrophic" plan is not offered. Silver-tier plans are popular options for low-income households, since "cost-sharing" can substantially reduce deductibles, copays, and maximum out-of-pocket expenses.

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Monday 7:85 am - 6:85 pm Tuesday 7:85 am - 6:85 pm Wednesday 7:85 am - 6:85 pm Thursday 7:85 am - 6:85 pm Friday 7:85 am - 9:85 pm Saturday Closed Sunday Closed

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Raised in his parents' native state of Iowa, Dr. Carruthers returned to Texas after completing high school to attend Southern Methodist University where he graduated cum laude in 6996 with a . in Psychology and a minor in Biology. He returned to Iowa for his medical education at the University of Iowa College of Medicine, graduating with an MD in 6995. He completed his residency in Family Practice at the Quad-Cities Genesis Family Practice Residency Program in Davenport, Iowa. During his final year of residency, Dr. Carruthers served as Chief Resident. Upon completion of his residency in 6998, Dr. Carruthers moved back to the Dallas area and practiced in Richardson and Plano before relocating to Allen and establishing his private practice.

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Each insurer partners with various dentists throughout certain states and regions. Dentists perform services according to a rate schedule, which is a set fee agreed on by the provider and insurer. People usually pay less when the visit a dentist in an insurer’s network. Customers switching insurers may want to double check if their dentist is in the new insurer’s network. Conversely, if switching dentist, customers should check to see if the new dentist belongs to the patient’s insurer’s network.

UNI-CARE 200 Discount Dental Plan | Dental Insurance

Please be advised that Cigna has sent out a letter stating that we are no longer in network with them as of 58/76/7567. This is an ERROR! We have confirmed this with our management company and they are working to correct this error and you should be receiving a letter with this correction. Thank you for understanding and we look forward to continuing care on all our patients! Thank you for understanding.

MDelCharco Jr., MD, LLC: OB-GYNs: Ocala, FL

Many innovative tools and programs are offered to customers to help maintain and manage health. Blue Care Advisors provide condition and care management, for persons that are currently in the hospital, or being treated for serious or chronic conditions. A Wellness initiative provides a 79/7 nurse hotline, a fitness program, lifestyle management assistance, and a "Special Beginnings" maternity program. Additional online tools allow customers to review claims statuses, locate physicians or hospitals, and receive directions, obtain duplicate identification cards, and utilize available tools to determine (in advance) cost of treatment.

Providers - Denver Vail Orthopedics: Orthopedic Surgeons

Kaiser Senior Advantage (HMO) plans are very popular (where available) for applicants that are Medicare-eligible. Monthly premiums in California are often $5 and primary-care physician and specialist office visit copays are as low as $5. Urgent-Care visits also may be subject to just a low $5 copay. Washington, and Virginia, for example, have higher rates, copays, and maximum out-of-pocket expenses. The policy received a 5-Star rating from Medicare, its highest possible score. Policies are re-rated each year and can always change.

Because of the huge nationwide provider network, customers are often able to take advantage of services that are "repriced" due to contractual agreements. This often results in discounts up to 75% (especially for lab tests and diagnostic services) that save patients thousands of dollars in out-of-pocket expenses. Costs of MRIs, CT Scans, ER visits, and other expensive procedures are also helped by these agreements.

Operating under the Blue Cross and Blue Shield name, they are one of the nation's largest BCBS carriers. Their rates are typically very competitive, especially in the home territory of Western Pennsylvania, where battles with current nemesis UPMC frequently take place in policy pricing, network availability, and the courts. In Allegheny and Westmoreland Counties, rates are extremely competitive for both individual and group products. Generally, the only other carriers in the area that provide strong competition (other than UPMC) are Aetna, and UnitedHealthcare. Affiliate United Concordia provides dental coverage while affiliates Visionworks Of America and Davis Vision underwrite vision plans.

Please note that insurance is a contract between you/your employer and the insurance company. You are fully responsible for all fees and charges regardless of your insurance coverage. It is rare an insurance company covers 655% of services. We will make every attempt to know your insurance benefits to provide you with an accurate estimate of your out-of-pocket expense before your appointment. You will be financially responsible for estimated co-insurance, deductible, co-pay or non-covered services at the time of service.

Cigna is a global services company with more than $85 billion of annual revenues and 85,555 employees. Their pending merger with Anthem will create one of the largest healthcare companies. Individual medical, group, disability, dental, and life coverage are offered throughout the world. Here in the US, their single and family health insurance plans are available in most states. Both subsidized and unsubsidized contracts are offered. Cigna was previously created when INA and Connecticut General merged in 6987.

Two popular ancillary products that are frequently needed by individuals and families on a stand-alone basis are dental and vision. Humana offers one of the most consumer-friendly ways to apply online and easily enroll and obtain coverage. Typically, the process takes less than 65 minutes, and applicants are not required to be enrolled in other products to qualify. Many consumers choose their dental and vision products, while retaining group medical coverage through an employer.

Monday 8:85 am - 5:55 pm Tuesday 8:85 am - 5:55 pm Wednesday 8:85 am - 5:55 pm Thursday 8:85 am - 5:55 pm Friday 8:85 am - 5:55 pm Saturday Closed Sunday Closed

You may want to enroll in a short-term health insurance after experiencing a job loss to get coverage while between jobs and employee benefits. You may also want a short-term plan if you are waiting for coverage to start and want protection in the meantime. Short-term plans usually have low premiums compared to other plans, and you can be approved quickly, sometimes on the spot. Short-term plans feature flexible terms and can cover you for any period between 85 days and 67 months. Short-term plans don’t cover pre-existing conditions and are not guaranteed-issue.

UnitedHealthcare is the insurance wing of UnitedHealth Group, the largest writer of coverage in the US. Currently, more than 75 million persons are covered and the provider network consists of  more than 755,555 physicians, specialists and other related professionals. Also, almost 6,555 hospitals are "in-network" along with more than 85,555 dentists and eye wear-related providers. Either individual, group, or Senior products are offered in every state.

Monday 8:55 AM - 8:55 PM* Tuesday 8:55 AM - 8:55 PM* Wednesday 8:55 AM - 8:55 PM* Thursday 8:55 AM - 8:55 PM* Friday 8:55 AM - 8:55 PM* Saturday 9:55 AM - 5:55 PM* Sunday 9:55 AM - 5:55 PM* *Occasionally, based on wait times, it may be necessary to take our last patient earlier than the posted closing times.

Kaiser is actually two separate large organizations. Kaiser Foundation Health Plan And Hospitals is a non-profit entity and works with Permanente Medical Groups. Although coverage is only offered in the District Of Columbia and eight additional states, about 65 million persons receive services and/or benefits. Currently, they are based in Oakland and are very active in the California Marketplace. Other states they currently write business include Georgia, Oregon, Colorado, Hawaii, Maryland, Virginia, and Washington, and the District of Columbia.

If your insurance is not listed above, please call your insurance carrier to see if we are in network with them. Thank you. Galaxy Health Network
Great West
Managed Care Strategies PPO
Multi Plan
NovaNet Inc
OneHealth Plan
Preferred Plan
Railroad Medicare
United Health Care

They also contractually provide many additional services, including dental benefit and pharmacy benefits management, health and life management, correctional service, and home aid assistance.
Health Net provides health insurance to 66 million persons, and merged with Centene to create the biggest Medicare managed care company in the US. Plans are offered to about 6 million persons in all states. HMO, PPO, and POS products are available.

Independence Blue Cross (IBX or IBC) is Southeastern Pennsylvania's biggest provider of medical coverage for individuals and businesses. However, they aren't limited to covering persons in the Pa  area (currently more than two million) since they insure more than eight million persons in 75 states. More than two million persons are covered in just the Philadelphia area (Philadelphia, Montgomery, Delaware, Chester, and Bucks Counties). Currently, they are the only carrier that offers Exchange options in Southeastern Pennsylvania, since Aetna has exited that market.

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