Insurance coverage varies and each patient is handled individually. It is important to bring insurance forms with you. It is especially important to bring HMO authorization or precertification forms as this will prevent delays. Our staff will submit all insurance forms on your behalf. However, Major Medical must be submitted by the patient – the insurer makes payment directly to the patient. Patients covered by commercial insurance plans are responsible for the full amount of the charges. It is important for you to know what and how much your insurance plan covers. Most plans will cover outpatient testing. Some Blue Shield plans do not cover consultations and office visits. Many HMO plans cover authorized office visits, but request that a co-payment be paid at the time of the service.