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Billing & Insurance

How to Contact Billing

If you have a question or need assistance with billing or insurance issues, or would like to make a payment over the phone, please contact our billing office at 413-584-8700 Option 8, Monday – Friday 8:00 to 5:00. 

Payment Options

We accept cash, check or credit cards (Mastercard, Visa, Amercian Express, Discover).  

Payments can be made in person, by mail, over the phone or you may conveniently pay your bills online using MyChart.

Financial Policies

Frequently Asked Questions for Billing

Participating Insurance Plans

Northampton Area Pediatrics participates with most local and national plans.  It is your responsibility to know your insurance plan’s benefits and restrictions.  If your carrier/plan is not listed below, please contact your insurance to determine provider participation or contact our office.

Please bring your insurance card to every visit. 

For billing questions please contact our billing office at 413-584-8700 Option 8, Monday – Friday 8:00 am – 5:00 pm.

** Plan participation may vary. Please contact your insurance company or call our office for more information.

High Deductible Health Plans

What is a High Deductible Health Plan (HDHP)

A high-deductible health plan (HDHP) is any health plan that typically has a lower monthly premium and a higher deductible than traditional plans, meaning you pay more healthcare costs yourself before the insurance company starts to pay its share.

How does a HDHP work?

In general, your health plan starts paying for eligible medical expenses after you have met your deductible, meaning you’ve paid out-of-pocket up to the amount of the plan’s deductible.  There are some pros and cons to a high deductible health plan.

HDHP Pros and Cons

Pros

  • Lower monthly premium
  • Tax-free spending account
    Some qualified high-deductible health plans may be paired with a Health Savings Account (HSA). You can use the funds in an HSA to help pay for eligible medical expenses. The money deposited into an HSA is tax-free, which can also help you save money.

Cons

  • Higher deductible
    If your deductible is higher, it means you are required to pay for your medical care out-of-pocket up to that amount before your health plan begins to help pay for covered costs.
  • Costly out-of-pocket medical expenses
    If you choose a high deductible health plan and need non-preventive medical care, or costly medical care, you will have to pay all your deductible before your plan begins to help you pay for covered costs. Depending on your medical needs, these costs could be significant out-of-pocket expenses that you may not have planned for.

When choosing between a high-deductible health plan and a more traditional one, consider your anticipated health needs. Are you likely to require medical care above and beyond preventive? If so, an HDHP plan with a lower monthly premium may not necessarily be an advantage—a more traditional plan with a higher premium and lower deductible might offer you improved cost savings.

Please contact our office with any questions.