Insurance & Payment Options

At Manhattan Restorative Health Sciences (MRHS) Primary Care, we aim to make insurance and payment as uncomplicated as possible. We work with most major insurance plans and are upfront about costs so you know what to expect before your visit.

If you have questions about coverage or payment, call us at (212) 750-5088. Our team is happy to help.

Insurance Plans We Accept

We are in-network with most major national and regional insurers, including:

• Aetna (Beech Street, Global Excel, Luminare Health, POS, PPO, EPO, and Medicare Advantage)

• Blue Cross Blue Shield (BCBS), including regional affiliates such as BCBS of California, Florida, Georgia, Illinois, New Jersey, and Texas

• Cigna (Open Access, Local Plus, PPO plans)

• UnitedHealthcare (Choice, Oxford, UMR)

• EmblemHealth / GHI / HIP

• Health Insurance Plan of New York

• Healthfirst (Essential Plans, Medicaid Managed Care, Medicare Advantage)

• HealthPlus, HealthEZ, Humana, Empire, and select other Medicare Advantage plans

If you don't see your plan listed, call us. Our network list is frequently updated as new partnerships are added.

Healthfirst, EmblemHealth, and HealthPlus

We regularly care for patients insured through Healthfirst, EmblemHealth (GHI / HIP), and HealthPlus.

Most covered patients can schedule:

• Primary care visits

• Annual physicals

• Preventive screenings

• Ongoing chronic care

Our staff can verify your eligibility and explain any copays or deductibles before your visit.

Blue Cross Blue Shield and Simply Blue PPO

MRHS is an in-network provider for Blue Cross Blue Shield, including Simply Blue PPO plans.

If you’re looking for Simply Blue PPO providers, MRHS offers comprehensive preventive and ongoing primary care, along with coordinated referrals to our in-house specialists when needed.

Members benefit from negotiated in-network pricing, coordinated referrals when needed, and the portability of BCBS coverage nationwide.

What “In-Network” Means

When a provider is in network, it means we’ve agreed on rates with your insurance carrier. This typically allows for lower out-of-pocket costs compared with seeing an out-of-network provider.

We submit claims directly to your insurance whenever possible.

Insurance Verification

Before every appointment, our team confirms your insurance details. Verification ensures you know exactly what your visit will cost and prevents billing issues.

For fastest confirmation, we recommend providing your insurance information at least 48 hours before your appointment.

Preventive vs. Other Care

Most plans cover preventive services such as annual physicals, immunizations, and routine screenings at little or no additional cost.

Other services, including chronic condition management, diagnostic testing, or specialist referrals, may involve copays or deductibles depending on your plan.

We coordinate closely with our in-house specialists in pain management, rehabilitation, and physical therapy, verifying coverage when referrals are needed.

Out-of-Network and Self-Pay Options

If your plan is out of network, we can provide a detailed super-bill you can submit to your insurer for potential reimbursement.

For patients without insurance, we offer transparent self-pay pricing for all services, including:

• Office visits

• Annual and employment physicals

• Lab work and diagnostic testing

• Preventive care and vaccinations

Payment options include major credit cards and HSA/FSA cards.

What to Bring to Your Appointment

To streamline your check-in, bring:

• Photo ID

• Insurance card

• Any referral or authorization if required by your plan

• Payment for copays or coinsurance

For workers’ compensation or no-fault auto claims, please also bring your claim details.

Helpful Insurance Terms

Frequently Asked Questions

Resources

• Aetna Coverage Lookup

• Blue Cross Blue Shield Provider Finder

• Cigna Plan Finder

• UnitedHealthcare Member Portal

• Healthfirst NY Coverage Information

Need Help?

Insurance can be confusing. Our team is here to assist you with insurance verification, billing questions, cost estimates, and more.

Call (212) 750-5088 or email primarycare@mrhsclinics.com for more information.