We Accept Most Major Insurance Plans

Included below are the insurances we accept as well as insurance companies that have chosen not to contract with us. We try hard to work with all insurance companies. The question usually isn't, "Do you take our insurance?" Rather, it's "Does the insurance company take us?

Questions?Give us a Call

We have a new payment policy

We at Prognify Urgent Care have implemented a new policy that requires almost all patients to provide a form of payment (“Card on File”) in case of any amount that's deemed as"patient responsibility" after insurance has processed your claim

Click here to read our Payment Policy

We take most major insurances in the area

Great care without the confusion

  • Aetna
  • AmeriHealth Caritas (BC Complete)
  • Blue Care Network (BCN)
  • Blue Cross Blue Shield (BCBS)
  • Choice Care Network
  • Cigna
  • Coventry/First Health
  • Health Alliance Plan (HAP)
  • Humana
  • Humana Military- Tricare East
  • Medicare
  • Medicaid- Michigan
  • McLaren Health Plan
  • Meridian Healthplan of Michigan
  • Multiplan/PHCS
  • Physicians Health Plan (PHP)
  • Priority Health
  • United Healthcare (UHC)

We are in-network with most major insurance carriers, PPO's, Medicare, as well as Medicaid. If you don't see your insurance carrier on our insurance and billing section, please give us or your health insurance plan provider a call. The number is usually found on the back of your plan card.

To get your specific copay cost amount for your visit, we'll need to see your insurance card and verify with your insurance company. Sometimes copays are listed on the insurance plan card. We recommend that you call the member's services number on the back of your insurance card and ask about coverage and copayments for urgent care visits. If you don't have time to call your insurance, we can determine the copay amount provided we can verify your plan and coverage upon check-in.

A copay, short for copayment, is a fixed amount a healthcare beneficiary pays for covered medical services. The remaining balance is covered by the patient's insurance company. Copays typically vary for different services within the same plans, particularly when they involve services that are considered essential or routine and others that are considered to be less routine or in the domain of a specialist. Copays for standard doctor visits are typically lower than those for specialists. Note that copays for emergency room visits tend to be the highest. A deductible is a fixed amount a patient must pay each year before their health insurance benefits begin to cover the costs. After meeting a deductible, beneficiaries typically pay coinsurance — a certain percentage of costs — for any services that are covered by the plan. They continue to pay the coinsurance until they meet their out-of-pocket maximum for the year. Copays and deductibles are just two parts of the health insurance equation. In general, plans that charge lower monthly premiums have higher copayments and higher deductibles. Plans that charge higher monthly premiums have lower copayments and lower deductibles.

We have real-time insurance eligibility; however, there may be times when an insurance plan can't be verified due to the following: The Payer ID not being accurate, the insurance plan is from a third party, the insurance provider eligibility system is not responding.

If your insurance was verified upon your clinic visit, Prognify bills your insurance in about three days after your appointment. If you have outside lab work done you will be billed completely separately by LabCorp or Quest. If the lab and test is performed entirely within our clinic it will appear on your Prognify bill. Your insurance may pay all or a portion of your bill, depending on your benefit plan and your deductible. At some point you will receive an EOB (Explanation of Benefits) from your insurance, directly. This is not your bill but an explanation of what insurance paid/covered and what you may owe for the visit. If you have any patient responsibility once your claim has been processed by your insurance, you will receive an invoice via email and text from our billing partner. You will also receive a paper statement with the details of what your insurance paid and outstanding balance, if any. Please contact us at if it's been more than two months since your appointment and you still have not received a bill, or if you have any billing questions at all. Happy to help!

You may need to call your insurance company to find out if your deductible has been met. Many insurance companies also have this information available online.

If you still have questions, please reach out to us.

Our friendly staff is here to help!

Pre-Visit Questions

If you have questions before your visit, reach out to us Call us
Billing Questions

If you have questions about your bill, reach out to us Call us