Billing & Insurance
How to Contact Billing
If you have a billing question 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.
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.
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.
NAP accepts the following health insurance plans:
- Blue Cross Blue Shield **
- Carelon Behavioral Health (FKA Beacon Health Options) 3/1/2023
- Children’s Medical Security Plan (Medical Only – Not Behavioral Health)**
- Cigna **
- Cigna Behavioral Health
- Coventry (HCVM)
- Fallon Community Health Plan (Connector Care Plans) **
- Harvard Pilgrim Health Care
- Health New England **
- Health Plans Inc.
- Humana **
- Humana Military (Tricare Select, Tricare Standard) **
- Massachusetts Behavioral Health Partnership (MBHP)
- Mass General Brigham Health Plan – formally known as Allways Health Partners**
- MassHealth **
- Multiplan (PHCS)
- Tufts Health Plan **
- Standard Network/Premier (HMO, POS, PPO, EPO Basic, Value and Premium)
- Advantage HMO and PPO and Saver
- GIC Plans (Spirit)
- Limited Network Plans (Select HMO, EPO and Advantage HMO Select)
- Tiered Provider Network Plans (Lifespan Premier Choice 2-tier HMO, PPO and EPO; Your Choice 2-Tier HMO, POS, PPO and EPO, Your Choice 3-Tier HMO, POS, PPO and EPO)
- Choice Pay
- Tufts Health Connector Plans (Tufts Health Direct)
- Three Rivers
- United Healthcare **
- US Family Health Plan
- Wellsense ( FKA: BMC HealthNet Plan Commercial Product Line (C000000000))
- Wellsense Boston Children’s ACO (71XXXXXXXXX) 4/1/2023
** Plan participation may vary. Please contact your insurance company or call our office for more information.
NAP does NOT accept and is non-participating with the following insurances:
- Blue Cross Medicaid/Medicare
- Children’s Medical Security Plan (Behavioral Health)
- Cigna Local Plus
- Fallon Medicaid, Direct Care **
- Health New England Medicaid
- Humana – All non-Choice Care PPO products
- Humana Military (Tricare Prime)
- Masshealth (PCC Plan, Health Safety Net, Limited, *Any plan accept Wellsense Boston Children’s ACO)
- Tufts Health Plan (Medicare, Tufts Health Unify)
- Tufts Health Public Plans (Tufts Health Unify, Tufts Health Together, Tufts Health Together with CHA, Tufts Health Together with UMASS Memorial Health)
- United Healthcare Medicaid/Medicare
- Wellsense Managed Care Organization (MCO) (FKA: BMC HealthNet Plan (B000000000))
- Wellsense Accountable Care Organization (ACO)
- East Boston Neighborhood Health Wellsense Alliance
- Wellsense BILH Performance Network ACO
- Wellsense Care Alliance
- Wellsense Community Alliance
- Wellsense Mercy Alliance
- Wellsense Signature Alliance
- Wellsense Southcoast Alliance
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
- 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.
- 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.