Everything You Need to Know About Direct Care Dermatology.

Many patients spend $200 or more on copays, deductibles, and coinsurance for a single insurance-based dermatology visit. At SkinWise, you’ll know the exact cost upfront, often comparable or less. Have questions about cost? Just ask us.

We don’t bill insurance companies for our services. However:

• HSA/FSA cards are accepted for all non-cosmetic medical & surgical services.
• Pathology services will go through your insurance or you can access our excellent cash prices.
• Labs can be billed through insurance or we have great prices for in-office labs.
• Prescriptions go through insurance.
• Upon request, we can provide a superbill for you to submit to your insurance. Please note that, in our experience, our visits typically do not apply toward your deductible or result in reimbursement.

It depends on your plan:

• Commercial plans: Charges apply toward your out-of-network deductible, which is very rarely met, so most patients won’t see reimbursement
• Medicare Advantage: Please call the number on the back of your secondary plan to ask about out-of-network reimbursement. Plans vary widely, usually between 0-50%.
• Traditional Medicare: We are billing traditional Medicare as non-participating providers—please see full FAQ for more details.
• Medicaid: No reimbursement and TennCare rules do not allow us to send in prescriptions or submit pathology/labs. For these reasons, we are rarely a good fit for Medicaid patients.

We recommend focusing on HSA/FSA if you have it. Medical and surgical visits qualify. We will provide you a receipt for your records. Not sure about your plan? We’re happy to help.

Most commercial plans will only post our charges to a patient’s out-of-network deductible which is very high and rarely met. If you wish to pursue this, we can produce a document you will need to submit with your claim form. Since reimbursement is rare, we instead hope patients consider seeing us as an investment in their dermatologic health.

Yes! HSA and FSA cards are accepted for all non-cosmetic medical services.

We can submit claims for patients with Traditional Medicare as “non-participating” providers. We’re held to a different fee schedule, so your reimbursement may be slightly less than if you saw a participating provider. You pay us at check-out, and Medicare then reimburses you directly. Medicare also forwards any remaining charges to your supplement, if you have one, which then issues a second check. The whole process takes about six weeks.

Please note: this is NOT the process for Medicare Advantage, and many patients aren’t sure whether they have a Medicare Advantage plan or a Medicare Supplement. If you’re unsure, call the number on the back of your supplement (secondary) card and ask.

If you have a Medicare Advantage plan, we cannot submit claims on your behalf. On request, we can provide a document you can use to file a claim yourself. In our experience, most Medicare Advantage plans do not reimburse patients, since they keep costs down by limiting choice.

Payment is due at the time of service. This ensures transparency: you know exactly what you’re paying for before you leave.

We accept cash, checks, all major credit cards, and HSA/FSA cards.

Pathology services must be billed through insurance if you have it—the pathology lab will send you a separate bill. They offer affordable cash prices for those without insurance.