Accepted insurance payers

Three things that happen before your visit

None of this is your job alone. Our team does the checking and tells you what we find.

We verify benefits

Before or around your visit, our team may review your insurance information to check plan participation, referral needs, specialist benefits, and prior authorization rules. Verification helps reduce surprises, but it is not a guarantee of payment because each insurance plan makes its own final decision.

You bring four things

• Your current insurance card and photo ID.
• Any referral paperwork your plan or primary care office gave you.
• Recent lab results, imaging, hospital papers, or kidney-related records if you have them.
• A list of medicines, vitamins, supplements, and pharmacy information.

Some services need approval

Prior authorization means your insurance plan wants to review a service before it is covered. This may apply to certain medicines, tests, procedures, or referrals. When authorization is needed, we will explain what information is required and what steps may come next.

Notes by plan type

Medicare

Original Medicare and Medicare Advantage plans can have different networks, copays, and authorization rules. If you have a Medicare Advantage plan, please bring that card in addition to any Medicare information you have.

TennCare and Medicaid

TennCare and Medicaid plans may have referral, network, or authorization rules. Bring your current card and any paperwork from your primary care provider so our team can review what may be needed.

Employer and private plans

Commercial plans can vary by employer group even when the insurance company name is the same. Your plan may have a deductible, specialist copay, coinsurance, or referral requirement.