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Insurance Companies

Oklahoma Pain and Wellness Center accepts most major insurances including Medicare, Medicaid, Workers’ Compensation, and Motor Vehicle Accident / Personal Injury for your Tulsa pain management convenience.

Our providers participate and/or accept most plans from the following payers*:

Aetna
Blue Cross Blue Shield
Cigna
CommunityCare of Oklahoma
Coventry / First Health
GlobalHealth
HealthChoice
Humana
Indian Health Services
Medicaid (SoonerCare)
Medicare
MultiPlan
Preferred CommunityChoice
TRICARE
United Healthcare
Veterans Administration (VA)

*Our complete list of accepted insurances changes frequently, please give us a call at (918) 935-3240 and we will be happy discuss current networks and your options.

Patient Responsibility:

As a courtesy, the Tulsa pain management professionals at Oklahoma Pain and Wellness Center verifies your benefits with your insurance company prior to each appointment. A quote of benefits is not a ‘guarantee’ of benefits or payment. Your claim will process per your plan, if your claim processes differently from the benefits we were quoted, the insurance company will side with the plan and will not honor the benefit quote we received.

It is the policy of Tulsa pain management experts at Oklahoma Pain and Wellness Center that payment is due at the time of service unless other financial arrangements are made in advance. We require all patients to pay their copay and an estimated amount of the remaining deductible/co-insurance at the beginning of each visit. A patient account representative is available to explain this information to you prior to your visit. After your visits with us you may be billed for any outstanding balances or remaining deductible/co-insurance amounts per your insurance plan.

If you are covered by health insurance with pain management benefits, we will be happy to bill your insurance. Please provide your insurance information to the front office staff and we will verify your coverage as a courtesy. Accepting your insurance does not place all financial responsibilities onto this practice, and you will be held accountable for any unpaid balances by your plan.

Although we are contracted with most insurance carriers, our services may not be covered by your insurance plan. Being referred to our clinic by another physician does not necessarily guarantee that your insurance will cover our services. Please remember that you are 100 percent responsible for all charges incurred and that your physician’s referral and our verification of your insurance benefits are not a guarantee of payment.

We highly recommend you also contact your insurance carrier and check into your coverage for pain management. Do not assume that you will not owe anything if you have more than one insurance policy.

Co-pays are a fixed dollar amount set by your health insurance plan that is due at the time of Tulsa pain management service.

Deductibles are a fixed dollar amount of healthcare costs that you must pay before your insurer will consider payment for a healthcare service you receive. In most cases, you must pay the deductible amount each calendar/plan year.

Co-insurance is a cost sharing feature of many plans. It requires you to pay out-of-pocket a predetermined portion of the cost of covered healthcare expenses. The defined co-insurance that you must pay out-of-pocket is based upon your health plan design. Co-insurance usually applies after a deductible is met.

Explanation of Benefits (EOB)

Your insurer will provide you with an EOB after we have submitted a claim to your insurer on your behalf. The EOB will include a detailed explanation of how your insurer/administrator determined the amount of reimbursement it made for a medical service. The EOB will also include information on how to appeal or challenge your insurer’s reimbursement decision.

Patient Statements:

You will be sent a billing statement depending on your preferred delivery method (paper/electronic) that contains the total cost of your service(s) or procedure(s) received during your visit(s). Patient statements are also available on your patient portal. You may generally expect this billing statement within thirty (30) days after your insurance company has responded to a submitted claim. You must notify us of any questions or objections to the billing statement within thirty (30) days or they will be deemed accurate, and the fees and expenses shall be deemed reasonable and necessary for the services incurred. If there is a problem with your account, it is your responsibility to contact a Patient Account Representative to address the problem or to discuss a workable solution. Our billing office can be reached at (918) 935-3240, opt 6.

  • AARP
  • ACE USA
  • Admiral Life Insurance
  • Aetna
  • American Continental
  • American First Insurance
  • American HealthCare Alliance
  • American Interstate
  • American Medical Security
  • American Pioneer
  • American Republic Insurance
  • ASI
  • Assurant Health
  • Bankers Life & Casualty
  • Benefit Management
  • Benefit Planners
  • Benesight
  • Bituminus
  • BCBS Federal
  • BCBS of Oklahoma
  • Boilmakers National Health
  • Bollinger Insurance
  • Bunch & Associates
  • Care Improvement Plus
  • Carolina Casualty Insurance
  • CBCA Admin
  • Central States
  • Champus/South Region
  • ChampVA
  • Cherokee Nations
  • Choctaw Nation
  • Christian Fidelity
  • Christian HealthCare Ministries
  • Cigna
  • C N A
  • Community Care
  • Community Care-HMO
  • Community Care-HMO Senior
  • Community Care HMO
  • Connecticut General Life
  • Conseco
  • Definity Health Claims
  • Elco Administrative Services
  • EMC Insurance
  • Employee Benefit Services
  • Equitable Life Indemnity
  • Equitable Plan Services
  • ESIS
  • Farmers
  • First Health
  • FMH Benefits
  • Fortis
  • Frontier Insurance & Rehab
  • GEHA
  • GEICO
  • Generations HealthCare HMO
  • Gilsbar
  • Globalhealth
  • GMP Employee Retiree
  • Golden Rule Insurance Comp
  • GPA
  • Great West HealthCare
  • Guide One
  • Hanover Insurance
  • Harbor Insurance
  • Harrington Benefits
  • Harrington Health
  • Hartford Med Workers Comp
  • HealthChoice
  • Health Net Commercial
  • Health Smart Preferred Care
  • HealthCare Solutions
  • HealthFirst
  • HealthLink
  • HealthSmart National
  • Humana
  • IC Corp
  • IHC Ada/Chickasaw
  • IHC Cherokee
  • IHC Miami
  • IHS Talihinia/Choctaw
  • Indian Agency/Claremore
  • Indian Agency/Hastings
  • International Health Benefits
  • JI Companies
  • John Alden Life Insurance
  • Liberty Mutual
  • Liberty Mutual Workers Comp
  • Liberty National Indemnity
  • Loomis Co Benefits Division
  • Loyal American
  • Mail Handler Benefit Plan
  • Medicaid
  • Medical Mutual
  • Medicare
  • Medicare Palmetto
  • Mega Life
  • Mercury Insurance
  • Mercy Health Plans
  • Meritain Health
  • Mosher Administrative Services
  • Mutual Assurance
  • Mutual of Omaha
  • National Assoc of Letter Carriers
  • National Automatic Sprinklers
  • Northeastern Tribal Health
  • Northland Insurance Company
  • NTCA Benefits
  • O-Epic
  • Old Surety Life Insurance Company
  • OSMA Health
  • Pacific Life & Annuity
  • Pacificare HMO
  • Palmetto GBA
  • Patriot Risk Services
  • IHS Pawnee
  • Physicians Mutual
  • Pioneer Life
  • Preferred Community Choice
  • Preferred Health Systems
  • Principal Life Insurance
  • Progressive Auto Insurance
  • Pyramid Life Insurance
  • Republic Insurance
  • Reserve National/Indemnity
  • Right Choice Benefit Admin
  • Royal Neighbors of America
  • Rural Carrier Benefit Plan
  • SB Howard & Company
  • Saint Francis Health System
  • Saint John Health System
  • Secure Horizons
  • Sedgwick
  • Sentinel Plan
  • Shelter Insurance
  • Sisco
  • SoonerCare Choice
  • St John Claims Administration
  • Star Hrg
  • Starmark
  • State Farm Health Insurance
  • State Health Benefit Plan
  • State Mutual Insurance
  • Sterling Option
  • Today’s Options
  • TransAmerica Life Insurance
  • Tricare
  • Twenty First Century Insurance
  • UHC Medicare Supplement
  • UHC/AARP/Medicare
  • UMR
  • Unicare
  • Union Pacific Railroad
  • United American Insurance
  • United HealthCare
  • Universal Casualty Company
  • Universal Fidelity Indemnity
  • USAA
  • VSP
  • Veterans Admin
  • Wausau Benefit Admin
  • Wausau Benefit
  • Wells Fargo
  • Western & Southern Financial
  • Wewoka Indian Health
  • Wisconsin Physician Services
  • Zurich American Insurance

“Everything concerning my appointment and evaluation was really great! I love Dr. Gale, he was very thorough and caring. The new medications are working so well that my pain level has not been this low in years!”
– Carrie M.