Billing and Insurance

Our office is committed to providing quality and cost-effective healthcare to our patients. In today’s insurance environment it is essential that you understand which services and procedures are covered by your insurance plan and obtain any necessary authorizations or referrals prior to your appointment with us. It is your responsibility to understand the limits and restrictions affecting coverage for services provided by our specialty. Please review the following information in order to better understand our policies regarding payment for services.


Insurance reimbursement is a contract between you and your insurance company. As a courtesy to you we will file all primary and secondary claims for you. We require a current copy of your insurance card in order to do this and will need to be informed of any change in insurance status. You will be responsible for all co-pays, deductibles, and co-insurance amounts not covered by a secondary insurance policy along with the entire amount of any non-covered service. We are contracted with the following insurance carriers and are required to collect your co-payment at the time of service:

Contracted Insurance Companies:

  • Aetna
  • Apple Health – (also known as Provider One)
  • Cigna
  • Community Health Plan – (Healthy Options only)
  • First Choice
  • Kaiser Foundation Health Plan of Washington (formly known as Group Health)
  • Lifewise
  • Molina Healthcare – (Healthy Options only)
  • Premera Blue Cross
  • Regence Blueshield
  • United Healthcare
  • United Health Care Community Health Plan
  • Medicare **Medicare does not cover Annual exams. We recommend that patients with Medicare, visit their primary care provider (PCP) if this type of appointment is needed. There is an out of pocket cost for any patients with Medicare requesting an Annual exam. Payment will be collected upon check in for your appointment.

We currently do not accept Amerigroup.

We appreciate payment for services at the time they are rendered. For your convenience, we accept cash, personal checks, Visa, Discover, American Express and MasterCard. We also realize that healthcare is sometimes an unplanned event, so we will attempt to accommodate your personal needs as circumstances require. In order to best meet your needs, please call our business office at 360-671-4944 with any questions you may have regarding our financial policy.

Please note, if you have moved after receiving services from our clinic, it is vital you contact our office and update your address. This is essential if you are owed a refund by Bellingham OB/GYN. If we must stop payment on a check you did not receive, there is a $35 fee placed onto the patient. Any questions or concerns regarding stop payment fees, please call our billing office. Thank you for your understanding of this office policy.

Preventive Care

All women age 18 or older need annual gynecologic examinations, including a pelvic examination, as do sexually active adolescents younger than age 18. The well-woman visit is a key part of preventive care; it includes a discussion of the patient’s health history and reproductive health care needs, a physical examination, including a weight and blood pressure check, a clinical breast examination, and various tests depending on a woman’s age and risk factors for disease. Most insurance plans now provide 100% coverage for preventive services. Keep in mind there may be lab tests ordered that do not fall within the preventative guidelines of your insurance plan. It is important that you know which lab tests are allowed with a preventative exam.


Patients who do not have insurance coverage (or proof of coverage) or who choose to pay for non-covered services are expected to pay in full at the time of service. If you cannot pay the full amount then you must make satisfactory payment arrangements with our business office prior to receiving services. Bellingham OB/GYN only accepts payment in United States Funds.

OB Benefits and Billing Policies

Our obstetrical fee covers the services included in a standard vaginal delivery or cesarean section. Additional services may be required and billed during your pregnancy and delivery. In addition to the obstetrician’s bill, you may receive bills from the laboratory, hospital, anesthesiologist, radiologist and pediatrician. As a courtesy to you, we will contact your insurance company to obtain an estimate on your benefits. Remember that this is an estimate only, based on proposed services and information supplied by your insurance carrier. We offer a payment plan that we refer to as an OB Prepay. For your convenience, if you choose to participate in our OB Prepayment plan, we request it be paid by your 35th week of pregnancy. Please notify our business office immediately if your insurance changes during your pregnancy. If you do not have insurance we require a deposit, please contact our business office for further details prior to scheduling your first appointment.

Our business office looks forward to assisting you in any way possible; you may contact us at 360-671-4944. Bellingham OB/GYN only accepts United States Funds, payment made in any other countries funds will be returned. If you have an address change, please notify our office as soon as possible.

Effective September 1, 2018, any stop payment fees on refund checks will be forwarded to the amount in the amount of $35.

Surgical Services

As of January 1, 2019, if you require any gynecological in-office procedures, there will a procedure deposit required that must be paid prior to services being performed. This deposit varies based on insurance type. Please contact a member of our billing department to determine your in-office procedure deposit fee.

As of January 1, 2017, if you require surgery a surgical deposit will be required. Please call them at 360-671-4944 with any questions you may have regarding our financial policy and procedures.

Quick Pay Portal

March 2019, Bellingham OB/GYN now has a Quick Pay Portal for mobile devices. This allows patients to pay balances via their mobile device, without having to log on or create a patient portal account!