Insurance and billing
Paris Asthma & Allergy Centers accepts a wide range of insurance plans and is committed to making the financial side of your care as transparent and straightforward as possible. This page covers accepted insurance plans, what to check before your visit, how billing works, and how to reach us if you have questions about a statement or balance.
Pay your bill online
Insurance coverage
Insurance plans we accept
We accept most major insurance plans at both our Livonia and Brighton offices. Because allergy and immunology care covers services like office visits, allergy testing, and immunotherapy, benefits can vary significantly between plans. We recommend contacting your insurance provider before your first visit to confirm your coverage.
Accepted insurance plans
Blue cross / blue shield
- Blue Care Network
- Blue Choice
- BC FEP
- BC Community
- Blue Cross PPO
- Blue Preferred Plus
Medicare & advantage
- Medicare
- Medicare Railroad
- Tricare
- HAP PPO / HMO / Medicare Advantage Healthplus
National & regional plans
- Aetna
- Cigna PPO
- Coventry / First Health
- One Health
- Multiplan
- PHCS
- Priority Health
- United Healthcare
Additional coverage options
- Choicecare / Humana
- Cofinity
- DMC
- Oshcare
Medicare is accepted. Medicaid is not accepted.Insurance participation and coverage may vary by plan and provider. Please contact your insurance company before scheduling to confirm your benefits and in-network eligibility.
Note: Insurance networks and plan coverage details may change periodically. This list reflects commonly accepted plans but may not be fully up to date. Please contact our office or your insurance provider directly to confirm your current coverage, provider network status, and any referral or prior-authorization requirements before scheduling an appointment.
Know before you go
What to check with your insurance before your visit
Taking a few minutes to review your benefits before your appointment can help you avoid unexpected costs and make the financial side of your care much easier to manage. When you call your insurance provider, here are the most important things to ask about:
- Whether your plan requires a referral from your primary care provider before seeing an allergy and immunology specialist.
- What your current deductible is for the plan year and how much of it has already been met.
- What your copay or coinsurance amount is for specialist office visits.
- Whether allergy testing is a covered service under your plan and at what cost-sharing level.
- Whether allergy immunotherapy including allergy shots or sublingual immunotherapy requires prior authorization before starting.
- Whether diagnostic services such as pulmonary function testing or patch testing are covered under your plan.
- Whether your plan has an out-of-pocket maximum and where you currently stand for the year.
- Whether services at both our Livonia and Brighton offices are covered as in-network under your plan.
If you are unsure how to read your benefits or what any of these terms mean, our front desk team is happy to help you understand what to look for when you call your insurer.
Prior authorization
When prior authorization may be required
Some insurance plans require prior authorization before certain services can be covered. This means your insurer must review and approve the service before it is performed in order for benefits to apply. At Paris Asthma & Allergy Centers, prior authorization is most commonly required for:
- Allergy immunotherapy including allergy shots and sublingual immunotherapy.
- Certain allergy blood testing panels.
- Pulmonary function testing in some plans.
- Advanced allergy treatments or biologics in applicable cases.
We will notify you once authorization has been approved before proceeding with treatment whenever possible.
Billing information
How billing works at our practice
After each visit, our billing team submits a claim to your insurance provider on your behalf. Once your insurer processes the claim, they will send an explanation of benefits — often called an EOB — detailing what was covered, what was applied to your deductible, and what portion if any remains your responsibility.
Any remaining patient balance after insurance has paid will be billed to you directly by statement. Payment is due upon receipt of your statement. If you have questions about a charge or believe there may be an error, please contact our billing team before submitting payment so we can review your account together.
We accept the following payment methods:
- Major credit cards including Visa, Mastercard, American Express, and Discover.
- Debit cards.
- Cash.
- Personal checks made payable to Paris Asthma & Allergy Centers.
- Flexible spending account cards (FSA).
- Health savings account cards (HSA).
For your convenience, you can securely pay your bill online through our patient payment portal. Please have your billing statement ready when you make a payment.
Pay your bill onlineSelf-pay patients
What if I do not have insurance?
We welcome patients who are uninsured or who prefer to pay out of pocket for their care. If you do not have insurance coverage, please contact our office before scheduling your first appointment so we can discuss applicable fees and payment expectations in advance. We want to make sure there are no financial surprises before your visit begins.
Our team will provide a clear overview of costs associated with the services you are seeking so you can make an informed decision before coming in. We are committed to being transparent about fees for self-pay patients and will do our best to accommodate your situation.
Questions about insurance or billing?
Whether you have questions about insurance coverage, billing, payment options, or your account balance, our team is here to help. Contact us today and we'll be happy to assist you before or after your visit.
Contact our billing teamFrequently Asked Questions
Q1. Do I need a referral to see an allergist?
Referral requirements depend on your specific insurance plan. Many plans allow patients to see a specialist without a referral, while others require one. We recommend checking with your insurance provider before scheduling your appointment.
Q2. What if my insurance plan isn't listed?
The plans listed on this page are the ones we commonly accept, but they may not include every insurance provider. Please contact our office and we’ll be happy to verify your coverage before your visit.
Q3. Will allergy testing be covered by my insurance?
Most major insurance plans cover medically necessary allergy testing. However, coverage, deductibles, copays, and prior authorization requirements vary by plan. We recommend confirming your benefits with your insurance provider before your appointment.
Q4. Is allergy immunotherapy covered by insurance?
Many insurance plans provide coverage for allergy immunotherapy, including allergy shots. Some plans may require prior authorization before treatment begins. Our team will assist with the authorization process whenever required.
Q5. What is an Explanation of Benefits (EOB)?
An Explanation of Benefits (EOB) is a document sent by your insurance company after your claim has been processed. It explains what services were covered, what your insurance paid, and any remaining patient responsibility. An EOB is not a bill.
Q6. What happens if I have a remaining balance after insurance pays?
If there is a remaining balance after your insurance processes your claim, you will receive a billing statement from our office. If you have questions about a charge or believe there may be an error, please contact our billing team before making payment.
Q7. Can I use my HSA or FSA card?
Yes. We accept both Health Savings Account (HSA) and Flexible Spending Account (FSA) cards for eligible allergy and asthma services.