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Insurances Accepted

Gynecologist Accepting Insurance in Eugene, OR

Finding a gynecologist who accepts insurance in Eugene, OR, is crucial for receiving affordable and high-quality care. Pacific Women’s Center, led by Dr. Richard Beyerlein, MD, CPI, FACOG, and Dr. Tamara A. Stenshoel, MD, FACOG, offers a full range of gynecological services while working with various insurance providers. For more information, contact us or schedule an appointment online. We are conveniently located at 911 Country Club Rd. Suite 222, Eugene, OR 97401.

Insurances Accepted at Pacific Women's Center in Eugene, OR
Insurances Accepted at Pacific Women's Center in Eugene, OR

Table of Contents:

What insurance providers are accepted at Pacific Women’s Center in Eugene, OR?
How do I verify if my insurance covers gynecological services in Eugene, OR?
What happens if my insurance doesn’t cover certain services?
Are walk-in gynecology appointments covered by my insurance?

What insurance providers are accepted at Pacific Women’s Center in Eugene, OR?


At Pacific Women’s Center, we strive to make quality women’s health care accessible by working with a wide range of insurance providers. While accepted plans may change over time, we traditionally accept most major insurance companies, including but not limited to:

• 6 Degrees Network
• Aetna/ Providence /Meritian
• Blue Cross/ HMA
• Blue Cross MC
• Cigna
• First Choice Health Network
• Great West Cigna
• Health Net/Medicare
• Kaiser
• 1 Medicare
• Multiplan / PHCS
• MODA
• MODA Medicare Advantage
• OMAP
• PacificSource Medicaid CCO
• Pacific Source MC Advantage
• Pacific Source-PPO
• PHCS / Multiplan
• Providence
• Providence Medicare
• Samaritan Health / FCHN
• Tricare Standard & Life/ HNET
• Trillium Medicare
• Trillium Medicaid
• United Health Care

If you plan to pay cash for your visit, you will have to pay in advance of your visit at check-in for your appointment to be seen. Please note that coverage details can vary depending on your specific insurance policy and the aesthetic services you seek, as many cosmetic procedures may not be covered by insurance.

How do I verify if my insurance covers gynecological services in Eugene, OR?


If you’re considering women’s health or gynecological services at Pacific Coast Aesthetics in Eugene, OR, it’s important to verify your insurance coverage before your visit. Start by reviewing your health insurance policy documents for details about covered services, exclusions, and benefits related to women’s health, preventive care, or specialist visits. These sections often include information on services such as routine gynecological exams, Pap smears, birth control consultations, and other preventive screenings offered by our practice.
 
If your policy language is unclear or you don’t see gynecological care specifically mentioned, contact your insurance provider directly using the customer service number on your insurance card. Ask the representative whether your plan covers the specific women’s health services you’re seeking at Pacific Coast Aesthetics. Be sure to mention the types of services you are interested in so you can get accurate information.
 
Additionally, ask your insurance company if Pacific Coast Aesthetics is considered an in-network provider for your plan. In-network providers usually mean lower out-of-pocket costs for you. You can also use your insurer’s online provider directory, but we recommend confirming directly with both your insurer and our team. If your plan—especially an HMO—requires a referral from your primary care provider, be sure to obtain this before scheduling your appointment with us. Our staff is happy to answer your questions and help you navigate your insurance coverage, so feel free to call our office for assistance.

What happens if my insurance doesn’t cover certain services?


At Pacific Coast Aesthetics, we want every patient to feel confident and informed about the financial aspects of their care. Many aesthetic and cosmetic procedures are commonly considered elective services by insurance companies and may not be covered by your health insurance plan. This means you could be responsible for the full cost of these treatments. Coverage can also be affected if your insurance plan has specific exclusions or if you receive services that are not deemed medically necessary. Before your appointment, we strongly encourage you to review your insurance plan’s summary of benefits to understand which services are included and which are not.
 
If you believe a particular treatment at Pacific Coast Aesthetics should be covered, you are welcome to contact your insurance company for clarification. We are happy to provide any documentation you may need to support your inquiry or appeal.
 
Should you decide to proceed with a service that is not covered, our team will provide you with clear information about the full cost beforehand. We offer a variety of flexible payment options, and our staff can discuss any discounts, packages, or financing plans that may be available. Our goal is to ensure you have all the information you need to make the best decisions for your care—both medically and financially. If you have questions about insurance, payment, or alternative treatment options, please don’t hesitate to contact us. We’re here to help you look and feel your best, with no surprises along the way.

Are walk-in gynecology appointments covered by my insurance?


We understand that your time is valuable and your wellness is a priority. Many of our patients appreciate the convenience of walk-in appointments for select women’s health and aesthetic services. However, insurance coverage for walk-in visits can vary, depending on your health plan and the type of service you’re seeking. Most health insurance plans, including those compliant with the Affordable Care Act, typically cover a range of preventive women’s health services, such as wellness exams, certain screenings, and vaccinations. If you’re visiting Pacific Coast Aesthetics for these preventive services, your insurance may cover much or all of your visit.
 
For walk-in appointments, coverage depends on your insurance provider’s policies and whether Pacific Coast Aesthetics is considered in-network. Some insurers require scheduled appointments or a referral from your primary care provider, especially for specialty services. If you choose a walk-in appointment and your plan does not cover unscheduled visits, or if Pacific Coast Aesthetics is out-of-network with your plan, you may be responsible for higher out-of-pocket costs.
 
If you’re unsure about your benefits, we always recommend contacting your insurance company directly to verify your coverage and network status for the services you need. Our front desk team is also happy to answer any questions about insurance billing and can help you understand what to expect regarding copays, deductibles, or other fees.
 
To ensure a smooth, stress-free experience, please don’t hesitate to reach out to us before your visit. We’re here to support your health and aesthetic goals every step of the way. For more information, contact us or schedule an appointment online. We are conveniently located at 911 Country Club Rd. Suite 222, Eugene, OR 97401. We serve patients from Eugene OR, Springfield OR, Coburg OR, Creswell OR, Cottage Grove OR, Lowell OR, and Junction City OR, and surrounding areas.

If you plan to pay cash for your visit you will have to pay in advance of your visit at check in for your appointment to be seen.

We accept most insurance carriers that include

  • 6 Degrees NetWk
  • Aetna/ Provd /Meritian
  • Blue Cross/ HMA
  • Blue Cross MC
  • Cigna
  • First Choice Health Netwk
  • Great West Cigna
  • Health Net Medicare
  • Health Net
  • Kaiser
  • 1 Medicare
  • Multiplan / PHCS
  • MODA
  • MODA Medicare Advantage
  • OMAP
  • PacificSource Medicaid CCO
  • Pacific Source MC Advantage
  • Pacific Source-PPO
  • PHCS / Multiplan
  • Providence
  • Providence Medicare
  • Samaritan Health / FCHN
  • Tricare Standard & Life/ HNET
  • Trillium Medicare
  • Trillium Medicaid
  • United Health Care
Aetna Accepted at Pacific Women's Center in Eugene, OR
Cigna Accepted at Pacific Women's Center in Eugene, OR
Medicare Accepted at Pacific Women's Center in Eugene, OR
Blue Cross Accepted at Pacific Women's Center in Eugene, OR
Multiplan Accepted at Pacific Women's Center in Eugene, OR
United Health Care Accepted at Pacific Women's Center in Eugene, OR
Tricare Standard & Life Accepted at Pacific Women's Center in Eugene, OR

We are committed to providing you with the best health care possible. If you have health insurance, we are eager to help you receive the maximum benefits allowed. We have developed the following policies and practices with respect to payment and insurance to help achieve these goals.

First, there are some basic matters of which you should be aware:

As medical doctors, our relationship is with our patients, and not their insurance carrier. Your insurance coverage is determined by the contract between you, your employer, and the carrier. We cannot affect coverage decisions. Questions about coverage should be directed to your insurance carrier.

Before seeing the doctor, you must provide us with complete insurance information. Failure to do so will jeopardize your coverage with HMOs, PPOs and managed care companies, and you will be responsible for the charges.

Some carriers exclude some services or tests – such as well woman exams, or thin prep pap tests – from their coverage. We cannot change your insurance coverage.

Our fees are reasonable and customary for the locale, considered reasonable and customary by most carriers, and are covered up to the maximum allowable by those carriers. Occasionally a carrier will partially deny a claim on grounds that fees are not reasonable. We have no control over these actions and cannot adjust our fees retroactively.

Ordinarily, payment for our health services is due when services are rendered. We accept cash and credit cards for payment. If temporary circumstances hinder your ability to pay your account, we encourage you to contact our office for assistance in the management of your account.

If you are a member of a managed care plan for which we are a provider, we will file your claim electronically. Your co-payment and deductible are due at the time of service. If for any reason your insurance carrier denies coverage for your claim, you must pay for our services at our regular fee schedule rate.

It is also important to know that the lab fees are separate from our fees, as they are not part of this office. As such, they are subject to co-pays and deductibles.

Financial Considerations

In an effort to explain some of the policies related to fees and costs, we offer the following explanations. Our business office is always happy to help you understand and discuss your bill. We encourage you to review all statements for the accuracy of services provided and subsequent bills.

Our Fees

Our fees are determined by the individual care given and are competitive with area specialists. Health insurance may not cover the entire cost of your care. Copays are expected to be paid at the time of service. We encourage our patients to contact their insurance carrier to determine what is covered by their plan. Remember that your account is your responsibility even though you have insurance coverage.

If you are a new patient, you will meet with our Patient Account Representative following your second or third visit. And at that time the Patient Account Representative will review verified insurance carrier coverage and expected cost for your gynecological care and delivery. Otherwise, if you have questions regarding your account or need to set up a financial arrangement, please request to meet with the Patient Account Representative either during a visit or by scheduling an appointment.

Should you require surgery, we will contact your insurance company to obtain pre-authorization prior to surgery and the estimated patient balance due for the procedure. Obtaining pre-authorization does not mean that your surgery will be covered at 100%. You will meet with the Patient Account Representative the same day as your pre-op appointment with your physician to explain your benefits and collect applicable co-pays, co-insurances and deductibles prior to your surgery.

Understanding Your Insurance

Not all office visits are covered by your insurance policy so it’s important to be familiar with your coverage. You will most likely be responsible for charges such as deductibles, co-insurance, maximum out-of-pocket, and copays. If you are unsure about the details of your policy, please contact your insurance company prior to scheduling an appointment.

  • A deductible: the amount you pay out- of- pocket, each year before your insurance starts to pay medical expenses.
  • Co-Insurance: the rate at which you and your insurance split medical expenses after you have met your deductible.
  • Maximum out- of- pocket: the most you would have to pay for medical expenses, at which time your insurance should pay, in full, for all remaining expenses.
  • Copay: the set deposit amount for a service, typically an office or ER visit, that your insurance requires you to pay. If you have a copay for office visits, please make that payment when you check in for your visit.

Understanding Your Office Visit

An annual exam (preventive, routine, wellness and well woman) includes an age-appropriate history & physical exam, risk factor review, ordering of routine laboratory tests, along with general discussion about healthy lifestyle and preventive care. Lab tests ordered as part of an annual exam are billed as preventive care services. All laboratory tests are billed for disease prevention, not to monitor a diagnosed disease. Generally, lab tests are a covered benefit under your plan but NOT paid at 100% and are frequently subject to plan deductible and copay requirements. You will be billed for any related balances due for the lab services directly from the laboratory providing the diagnostic analysis.

problem-oriented visit addresses specific problems (menopause, depression, bleeding, etc.).

How your office visit is billed (annual or problem) is determined by what happens during your visit, typically where the most focus is directed. However, it is possible that your visit may include both annual and problem services, which will be billed accordingly.

If you have questions related to the billing of your visit, please ask to speak with one of our billing specialists.

Your Bill

We are very concerned about rising medical care costs and we make every effort to keep costs down. Payment at the time of services can help reduce these costs. Payment for non-covered services is expected at the time of service. We do accept cash, personal checks and credit cards.

We submit claims for all procedures and surgeries. Statements are mailed monthly for any balance due on your account. Payment of your account balance is expected upon receipt of the bill. Patient due balances over 60 days may be subject to a finance fee. Again, if you have questions regarding your account or need to set up a financial arrangement, please request to meet with the Patient Account Representative either during a visit or by scheduling an appointment. We are here to help!