Insurance and Payments

We accept most major insurance plans, including HMO’s, PPO’s and Medicare. Be sure to bring your insurance ID card to your appointment. To facilitate your insurance claims, we submit an itemized bill directly to your insurance plan.

All co-payments must be paid in full at the time of service. Co-payments vary based upon your insurance provider.

We accept cash, personal checks, and bank debit cards, American Express, Visa and MasterCard.

BWS Financial Policy

We appreciate that you have entrusted us with your health care.  Since healthcare benefits and coverage options have become increasingly complex, we have developed this policy which details our financial requirements to help you better understand your responsibilities as a patient.

It is your responsibility to know if your insurance has specific rules or regulations, such as the need for referrals, pre-certifications, pre-authorizations, limits on outpatient charges, specific physicians and/or hospitals to use.  You should be knowledgeable of any deductibles, co-payments, and/or coinsurance.  This applies to all insurance plans regardless of whether or not our physicians participate.

The responsibility for payment of fees for services is the direct responsibility of the patient.  Your health benefit plan is an agreement between you, the enrollee and the insurance company, HMO or your employer.  Your health benefit plan determines your coverage, requirements, and establishes the limit on your coverage for medical services based on what they determine as medically necessary.  However, we will do our best to assist you with understanding your proposed treatment and in answering questions related to your insurance.


Co-payments: Full Payment is due at time of service
Deductible or coinsurance: Full Payment is due at time of service
Non-covered service: Full Payment is due at time of service
Non-participating Insurance plan: Full Payment is due at time of service
Statement Fee: $10 charge will be applied to each statement
Returned check fee: $25
Medical Records: $.75 per page due prior to receipt of records

Insurances BWS accept

  •  Aetna US Healthcare
  • AliCare
  • Amalgamated
  • Anthem
  • APWU
  • AmeriGroup
  • Atlantis Health Plan
  • Champus (Tricare)
  • Cigna Health Plans
  • District Council 1707
  • Division 1181 A.T.U.
  • Emblem Health
  • Empire BCBS
  • Empire Plan (Government Employees)
  • GHI
  • Great West
  • HealthFirst
  • Health Plus
  • HIP
  • Horizon Healthcare
  • Local 1199 NBF
  • Local 32B-J
  • Magnacare
  • Mail Handlers Plan
  • Medicare
  • Multiplan
  • National Alliance of Letter Carriers
  • National Elevator Industry
  • New England
  • NY District Council of Carpenters
  • Oxford Health Plans
  • Phoenix Life
  • Private Health Care Systems (PHCS)
  • UniCare
  • United Healthcare