Before You Come
Charlotte Primary Care is an independent group; it is free to
participate in most of the major plans, regardless of the plans'
hospital affiliation.
| Major Plans We Participate |
Participating Hospitals |
| Aetna US health |
CHS |
| BCBS (most plans) |
Presbyterian + CHS |
| CIGNA (most plans) |
Presbyterian + CHS |
| Coventry |
Presbyterian |
| First Health PPO |
Presbyterian |
| Health Care Savings |
Presbyterian + CMC |
| Humana |
Presbyterian |
| Mamsi (most plans) |
Presbyterian |
| Partners |
Presbyterian |
| PHCS |
Presbyterian |
| United Healthcare (PPO only) |
Presbyterian + CHS |
And other PPO and Fee for Service (Indemnity) plans.
Office visits are by appointments only.
Medicare:
Dr. Tam and Dr. Kapadia will continue to accept his existing Medicare
patients as well as their spouses who want to switch to Dr. Tam and Dr.
Kapadia.
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Keeping It Simple
The complex and confusing policies and benefits of health insurance
plans are by far the major complaints of most patients, doctors and
nurses. None of us can fix or solve the problem. (Nalle Clinic, a
respected institute also could not handle it) However, there are ways we
can reduce the confusion and make life easier and simpler:
- READ YOUR PATIENT BENEFIT MANUAL!
Empower yourself by better knowledge of your plan. It is much easier
for you to know one plan than to expect your doctor to keep up with
different policies of 10-12 plans. (Doctors are trained to learn
medicine, not insurance policies and reimbursement!)
- Call your Members Services Representative for any questions. Ask
for his/her name for further reference if there is a question.
- Give your doctor plenty of time for referrals. Do not wait
till the last hour or day for referral authorization. We have to
take care of patients and we simply cannot process your referrals
immediately. Referral is time consuming especially when the
insurance carrier rejects the referral.
- Keep us up to date if there is any change in your insurance plan.
DO NOT assume we know (forms are available at Home
Page )
- Insurance is just a "safety net" for your life
Please DO NOT expect your insurance to cover everything you
need/want.
- Last but not least, stay calm and keep your cool. It is not
healthy to be upset over reimbursement problems. Complain to your
company's benefit coordinator. Your insurance carrier pays attention
to your company since your company pays the bill!
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