Bluegrass ENT participates with the following Insurance Networks: Medicare, Ky. Spirit, Coventry Cares, Wellcare of Ky., Anthem/Blue Cross & Blue Shield, Humana, United Healthcare, Bluegrass Family Health, Tri-Care Standard Only (No Prime), Physicians Healthcare Systems (PHCS), Cigna, Aetna, HearUSA, and AARP.

As a “Specialist” some insurance plans require a referral. It is the patient’s responsibility to obtain the appropriate referral from their Primary Care Physician to get full benefit payments. If your insurance plan has an office/specialist co-payment, that payment must be made at the time of your visit.

Q. Does Dr. Speach participate with my Insurance Plan?

A. Although Dr. Speach does participate with most major Insurance Companies, it is recommended that you contact your insurance company prior to your visit. You normally can find the member services telephone number for your insurance company on the back of your insurance card.

Q. Do I need a referral to see Dr. Speach?

A. Formal documented referral is only required if your insurance carrier or plan requires it. As Dr. Speach is an Otolaryngology specialist it is always recommended that your primary physicians refer you. This insures that you are seeing the appropriate physician or specialist for your medical needs.

Q. Do I have to pay my co-payment at my visit?

A. It is our policy to collect your co-payment at the time of service. You may pay this by Cash, Check, Master Card or Visa Card.

Q. Will your office pre-authorize the tests Dr. Speach has ordered?

A. Our office will pre-authorize any tests that require it. Please remember that pre-authorization does not guarantee payment by your insurance company, it is only to adhere to the guidelines set forth by your particular plan.

Q. Do I need to contact my insurance company prior to my surgery?

A. Our office and the surgical facility will contact your insurance company prior to your surgery. Our office will obtain any “pre-certification” required by you insurance company. It is always recommended that you contact your insurance company to update your knowledge of your particular plan.