Insurance & Financing

Some insurance companies along with Medicare and Medicaid, have varying degrees of hearing healthcare benefits.  It is our goal that you realize those benefits, if any, and work to realize the maximum benefits of your insurance plan.  We participate in many plans including Medicare, IN Medicaid, Cigna, Aetna, Anthem BCBS, Humana and United Health Care.  However, Charles A. Reger & Associates, Inc. reserves the right to not participate in certain plans when not conducive to our business model.

Whenever appropriate, Charles A. Reger & Associates Inc. will file medical claims on behalf of the patient utilizing the private insurance or Medicare/Medicaid information provided to them.  With the rising costs of submitting health care insurance claims, Charles A. Reger & Associates, Inc. has adopted the following policy:

• An insurance claim will be submitted to the primary insurance carrier (i.e. Medicare or private insurance company) by Charles A. Reger & Associates, Inc., at the time of the hearing evaluation.
• Should the claim, if submitted to Medicare as the primary carrier, not ‘roll-over’ to the supplemental insurance carrier, the balance of the claim will be the patient’s responsibility for resubmission to the supplemental insurance company.  The amount due to Charles A. Reger & Associates, Inc. will ultimately be the patient’s responsibility.
• Should the claim be rejected due to an error on the part of Charles A. Reger & Associates, Inc., it will be resubmitted by our office at no charge.
• Insurance claims for hearing aids, as a courtesy and in an effort to maximize your insurance benefits, we will bill your insurance. Any reduction or denial of payments will result in you being billed the remainder of the agreed upon purchase price.

Payment Plans

When out-of-pocket expenses (i.e. outside of insurance benefits) are incurred, payment plans can frequently be set up.  Charles A. Reger & Associates, Inc. has a relationship with CareCredit – a division of GE Capital.  For credit worthy patients, CareCredit offers 12 months same-as-cash plans without finance changes.  For patients wanting 24, 36 or 48 month finance options, there are interest bearing payment plans through this same company.

It is our goal to find affordable solutions for our patients needing these special arrangements.  Please let us know your preferences.