Dr. John D. Stover DDS, MD, PhD
TRIPLE BOARD CERTIFIED:
Diplomate, American Board of Cosmetic Surgery
Diplomate, American Board of Oral and Maxillofacial Surgeons
Diplomate, National Board of Dental Anesthesiology
Cosmetic Centers of Hawaii
Most comprehensive cosmetic surgical procedures in Hawaii
PATIENT RESOURCES
- Scheduling
- Online Registration
- Initial Consultation
- Financing
- Privacy Policy
- Post-Procedure Instructions
- FAQ
Financial and Insurance Information
Most cosmetic procedures are not covered by insurance carriers. Our insurance coordinators deal with many insurance companies. Some companies offer up to six medical plans. Because many companies frequently change policies, it is sometimes difficult to accurately estimate our patient's insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you is current. Typically we will collect your portion and you will be reimbursed by your insurance carrier. They may or may not reimburse the full amount. This is determined by a contract between your employer and the insurance company.
At the time of your initial visit, your treatment plan will be established along with an estimate of fees. We will file your insurance paperwork to help receive all entitled reimbursements. Please bring your insurance forms with you and have your portion filled out and signed to expedite the filing of your claim.
Co-payments: All co-payments are payable when you check in at the front desk.
HMO Patients: If a patient comes to us with a problem that they expect to be covered by medical insurance, (biopsies, tumors, infections, deformities) they must have a referral from their primary care physician. Obtaining a medical referral is the patient's responsibility. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment. Additionally, a referral from your primary physician does not necessarily mean that the insurance company will agree that the procedure is medically necessary and a covered benefit.
Medicare Patients: At this time, we are not Medicare or HMSA 65 C+ providers. Full payment will be due at the time of service. We do plan to enroll for 2010.
HMSA, and HMAA: We accept HMSA and HMAA insurance plans. Please bring your insurance card to your visit. All co-payments are due at the time of service. Please make sure a referral, if needed, is made prior to your visit.
Other Private and Group Insurance: As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.
Our financial secretary will be happy to discuss payment arrangements that will suit your needs. We accept cash, check, VISA, Mastercard, American Express and Discover. We also have special financing options available.
If you have any problems or questions, please ask our staff. They are well informed and up-to-date. Please call if you have any questions or concerns regarding your initial visit.
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