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Transparent Pricing, No Surprises

Transparent Pricing, No Surprises

Know Your Costs Before You Visit

At Nao Medical, we take the guesswork out of healthcare costs. Our pricing is upfront, transparent, and designed to keep quality healthcare accessible to everyone.

Self-Pay (No Insurance)

Self-Pay (No Insurance)

  • Regular Visit: $175 (Excludes tests such as labs, drug screenings, etc.)
  • Follow-Up Visit: $100 (Excludes tests such as labs, drug screenings, etc.)
With Insurance

With Insurance

  • Costs depend on your plan benefits, copay, or deductible.
  • Call your insurance provider or contact us to confirm coverage before your visit.

Primary Care Provider Change Portal

Update your designated primary care physician or request a provider change through our secure online portal.

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How Billing
Works with
Insurance

Simplified Process for a
Stress-Free Experience

We make billing seamless and straightforward for insured patients.

Here's how it works:

Step 1
Insurance Verification
We confirm if your insurance will cover your visit. Call us for assistance.
Step 2
Copay Collection
If required, you will pay your copay at the time of service.
Step 3
Claim Submission
We submit a claim to your insurance provider.
Step 4
Explanation of Benefits (EOB)
Your provider sends details of what is covered, and what (if anything) you owe.
Step 5
Final Billing
If you have a remaining balance (e.g., deductible or coinsurance), we’ll send you a clear bill.

Reviewing your EOB statement can help you understand what’s covered vs. what may be your responsibility.

How to Avoid Unexpected Medical Bills

Take Control of Your Costs

To prevent surprise charges, follow these simple steps:

Check Your Copay

  • Confirm with your insurance provider before your visit.

Ask for Pricing

  • Request estimates for additional services, such as lab work.

Verify Network Coverage

  • Ensure Nao Medical is in-network to reduce costs.

Plan for Extras

  • If additional tests or procedures are needed, we’ll notify you before proceeding.

Use Flexible Payment Options

  • We accept credit, debit, and cash for easy affordability.
Take Control of Your Costs

Did You Know? Many large urgent care chains pass higher costs to patients. Nao Medical keeps pricing fair and transparent!

Start Your Healthcare Practice with Comprehensive Support

Why Did I Receive a Bill
Even with Insurance?

Deductibles

Deductibles

The amount you must pay before your insurance starts covering costs.

Coinsurance

Coinsurance

A percentage of costs you share with your insurance provider.

Non-Covered Services

Non-Covered Services

Some procedures, tests, or medications may not be covered.

Check your Explanation of Benefits (EOB) for details, or call our billing team for further clarification.

If you haven’t met your deductible, urgent care costs will go toward fulfilling it.

Insurance Plans We Accept

Wide Insurance Coverage

We accept most major insurance plans, including:

Molina Healthcare of New York Healthfirst Metroplus Blue Cross Blue Shield Aetna Fidelis of NY Medicaid Healthfirst Medicaid United Healthcare Medicaid Empire BCBS Health plus Medicare 1199 National Benefit Funds Fidelis Care New York United Healthcare Community plan Cigna Emblem Health GHI - Primary BCBS Anthem

Let our team assist with insurance verification to provide a stress-free visit.

FAQs

I already paid for my visit, but I was billed again. What should I do?
If you’ve already paid and received another bill, please contact our billing department right away. It may be a duplicate charge or a processing error. We’ll review your account, verify the payment, and correct any issues as quickly as possible.
Why did I receive a bill even though I have insurance?
Even if you have insurance, you may still receive a bill due to factors such as deductibles, copays, coinsurance, or services not fully covered by your plan. We recommend reviewing your Explanation of Benefits (EOB) or contacting your insurance provider directly for a detailed breakdown of what was covered and what you may owe.
My insurance processed the claim, but I still have a bill. Why?
Even after your insurance processes a claim, you may still have a balance due. This can happen if your plan includes deductibles, copays, or coinsurance that you're responsible for. Check your EOB for more details or reach out to our billing team for assistance.
My preventive service (e.g., annual physical) should be covered, but I was billed. What happened?
Preventive services are often covered, but certain factors such as additional tests, treatments, or discussions during your visit may not be fully covered. Review your EOB or contact your insurance provider for more clarity. Our billing team is also available to assist you with any bill discrepancies.
My bill seems incorrect due to how my visit was coded. Can this be fixed?
Yes, if you believe your visit was coded incorrectly, please contact our billing team. We’ll review the documentation with our clinical staff and make necessary corrections. If a coding error is found, we’ll update the claim and work with your insurance.
What should I do if my visit was wrongly categorized (e.g., urgent care vs. primary care)?
If you believe your visit was incorrectly categorized, please reach out to our billing team. We’ll review your medical records and visit details to determine if a correction is necessary. If an error is confirmed, we’ll update the billing and resubmit the claim to your insurance.
I received a bill, but I don’t understand the charges. How can I get a breakdown?
If your bill isn’t clear, you can request an itemized statement from our billing department. This statement will provide a detailed breakdown of each service and charge.
I think I was overcharged. How can I dispute my bill?
If you believe you were overcharged, please contact our billing department promptly. We’ll review the charges, verify their accuracy, and make any necessary corrections. If an error is discovered, we will issue a refund or adjust the balance.
I paid for my lab work at the clinic, but I received another bill from Sunrise Lab. Why?
Some lab tests are sent to third-party labs like Sunrise, which may bill separately due to insurance coverage or a coding issue. Please contact us to review the billing details together.
My lab results were part of my visit. Should I be charged separately?
Yes, in some cases, if the lab work is not fully covered by your insurance, you may receive a separate bill from the lab.
I wasn’t aware I had a balance from a previous visit. Why am I receiving a bill now?
Balances from past visits may only appear after your insurance processes the claim, which can take several weeks. As soon as we receive the final response from your insurance, we generate the bill.
Can I set up a payment plan for my outstanding balance?
Yes, we offer flexible payment plans for eligible accounts. Please reach out to our billing team to discuss available options.
My secondary insurance should have covered my remaining balance, but I was billed. What happened?
This may occur if we did not receive your secondary insurance information or if the claim wasn’t processed due to missing details. Please contact us—we’ll verify your information and work with both insurers to resolve the balance.
How can I ensure my secondary insurance is billed correctly?
Always confirm that your secondary insurance information is updated in our system. If there are discrepancies, we can coordinate with the insurance provider to correct them.
I received a billing notification, but I don’t recognize the charge. What should I do?
If you received an unexpected bill, we can review your account to verify the charge as sometimes billing notifications may include previous balances or pending insurance adjustments.
I disputed a charge previously but received another bill. Why?
If a disputed charge has not been resolved, it may still appear on your statement. We recommend following up with our billing team to confirm the status of your dispute.
Can I pay the lab bill through Nao Medical?
No, lab bills must be paid directly to the lab. However, we can help connect you with the right contact or provide their billing information.
Why did my lab work get denied by insurance?
There are various reasons, including that the test may not be covered under your plan or the billing code might not match the medical necessity. Contact your insurance for clarification, and we can assist with documentation or corrections if needed.
Why do I have a balance even after my insurance is paid?
Your insurance may have only covered part of the cost. The remaining amount—like a deductible, copay, or coinsurance—is your responsibility. You can check your EOB for details.
Can I get a detailed breakdown of my outstanding balance?
Yes, you can request an itemized statement from our billing team. We’ll provide a clear summary of each charge and payment applied to your account.
How can I pay a past-due balance?
You can pay your balance online, over the phone, or in person at any of our locations. If you need help, our billing team is happy to assist you.
Why did I receive a bill months after my visit?
Billing can be delayed if we’re waiting for your insurance to process the claim. Once they finalize their portion, we calculate your remaining balance and send the bill.
Can I dispute a balance from a previous visit?
Yes, if something doesn’t seem right, reach out to our billing team. We’ll review your account, correct any errors, and help you understand the charges.
What happens if I don’t pay my balance right away?
Unpaid balances may be subject to late fees or collection processes. If you’re having difficulty paying, contact us early—we’re here to help with payment arrangements.
Can I still be seen if I have an unpaid balance?
In most cases, yes—but we may ask you to address the outstanding balance or set up a payment plan before future visits.
How do I update my billing address or contact info?
Just contact our front desk or billing department, and we’ll update your information to ensure you receive future statements and communications without delay.
What does ‘patient responsibility’ mean on my bill?
‘Patient responsibility’ is the portion of the bill that your insurance didn’t cover—usually a deductible, copay, or coinsurance—based on your plan.
Can I get a receipt or statement for previous payments?
Yes, we can provide receipts or account summaries upon request. Contact our billing team, and we’ll be happy to send it to you.

Payment Methods We Accept

Paying for your visit is easy! We accept:

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Payment Methods We Accept
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