Insurance & Financial Policy – Western Wayne Physicians

Insurance Plans

Western Wayne Physicians participates with most health insurance plans.
👉 Before scheduling an appointment, we recommend confirming your benefit coverage directly with your insurance company.

Insurance Questions?
📞 Call (313) 386-3408 (Mon–Fri, 8:30 a.m.–4:30 p.m.)

Important Note: For behavioral health benefits, please check with your plan directly, as some insurers use a separate company for these services that we may not accept.

Referrals & Authorizations

• Referrals: Some plans require permission from your primary care physician before seeing a specialist or receiving certain procedures. If a referral is needed, it must be obtained before your visit. Without it, you may need to reschedule.

• Authorizations: Certain services (e.g., surgery, CT, MRI) may require prior authorization. Our staff will obtain these when necessary, but we encourage you to confirm directly with your health plan if you have questions.

Participating Health Insurance Plans

• Aetna

• Blue Cross Blue Shield

• Blue Care Network (BCN)

• Cigna

• Cofinity

• Health Alliance Plan (HAP)

• Humana

• Medicare

• NGS

• Priority Health

• United Healthcare (Allen Park location does not participate)

Financial Policy

Thank you for choosing Western Wayne Family Physicians. We are committed to providing quality and affordable health care. To help avoid confusion, please review the following policies:

Insurance & Billing

• We bill your insurance as a courtesy, but your insurance contract is between you and your insurer.

• You are responsible for all balances not covered by insurance.

• Any unpaid balance after 60 days may be subject to collection.

Payments

• Co-pays & Deductibles: Due at the time of service (except Medicare deductibles if secondary insurance applies).

• Non-covered Services: Must be paid at the time of service. Your doctor may still recommend them if beneficial.

• Self-pay / Financial Hardship: Contact our office manager prior to your appointment to discuss payment arrangements.

• Missed Appointments: $60 fee applies if not canceled at least 24 hours in advance (not billable to insurance).

• Returned Checks: $25 fee applies.

Accepted Payment Methods

Cash • Check • Money Order • Visa • MasterCard • Discover • American Express

💡 Trouble paying your bill? Call our billing office at (313) 386-3408 to set up a payment plan.

Good Faith Estimate – Patient Rights

If you don’t have insurance, or choose not to use it, you are entitled to a Good Faith Estimate of expected costs:

• Provided at least 1 business day before non-emergency services.

• Covers all related costs (tests, prescriptions, equipment, hospital fees).

• If your bill is $400+ more than your estimate, you can dispute it.

📂 Keep a copy of your estimate for your records.

Questions about your rights?

• Michigan Department of Insurance and Financial Services (DIFS): 877-999-6442 | Michigan.gov/DIFScomplaints

• Federal Help Line: 800-985-3059 | CMS.gov/nosurprises