Billing & Insurance

Managing healthcare costs effectively starts with knowing what your insurance covers and what billing options are available to you. Unexpected expenses, denied claims, or out-of-network fees can create unnecessary stress and even delay your care.

At CAM Medical Group, we recognize that healthcare expenses are a key part of your journey. That is why we provide clear, reliable information upfront, so you can take control of your medical costs and make informed decisions with confidence.

Our team is committed to making the financial aspects of your care as simple and stress-free as possible. We help you navigate your insurance and billing details, allowing you to avoid surprises, plan your budget effectively, and ensure smooth access to treatment.

Accepted Insurance Providers

At CAM Medical Group, we are committed to making quality healthcare accessible and affordable.

Our primary care physician, Dr. Cesar Morales, and our team of providers are in-network with most major commercial insurance plans, including Medicare, and HMOs (health maintenance organizations). Please review the list below to see if your plan is accepted.

Commercial Insurances

We accept most commercial insurances, including:

Aetna -EPO, HMO, PPO, POS, Choice Plus
Allied Benefits Multiplan - PPO, PHC
Ambetter - Centene Illinicare, HMO
Blue Anthem BCBS
Blue Cross Blue Shield (BCBS OF IL ), PPO, POS, EPO, HMO
Cigna - HMO, Open Access, POS, PPO
Cypress - PHCS
Devote Health, HMO
Humana - PPO, HMO
United Healthcare - EPO, HMO, PPO, Choice Plus

Medicare Part B

We accept Medicare Part B and various Medicare replacement plans, including:

Medicare-IL
Aetna Medicare Replacement HMO
Aetna Better Health Dual Plan - Medicare - Medicaid Replacement HMO
Blue Cross Blue Shield Medicare Advantage
Blue Cross Blue Shield Medicare Replacement
Blue Cross Blue Shield MMAI Community Dual
Cigna Medicare Replacement Advantage HMO
Devoted Health Medicare replacement HMO
Humana Gold Plus Medicare Replacement HMO
Humana Medicare Replacement Advantage PPO
Humana Dual Eligible Gold Plus
Humana Medicare Replacement
United HealthCare Medicare Replacement/Advantage HMO
United HealthCare Medicare Replacement/Advantage PPO
Wellcare Medicare Replacement Advantage PPO

Health Maintenance Organizations (HMOs)

We accept HMO plans from multiple networks, each with designated site numbers:

Arcadia Healthcare Solutions - Amita Healthcare Network Guide Health - Site #497
Guide Health - Northshore Physician Associates - Site #447
Humboldt Park Health Partners - Site # 333
Ravenswood Physicians Associates RPA - Site #246

HMO plans require patients to select a Primary Care Provider (PCP) who coordinates all medical care and referrals. If you are enrolled in an HMO plan, please ensure Dr. Cesar Morales is listed as your PCP before scheduling an appointment.

Out-of-Network Patients

If our providers are not in-network with your insurance, you can still receive care. However, full payment will be required at the time of service. We recommend checking with your insurance provider to determine if you’re eligible for reimbursement.

Billing & Payment

Payment is expected during service, and we offer flexible financing options to help make your care more accessible.

For your convenience, we accept most major credit cards, as well as cash and checks. Patients are responsible for deductibles, co-pays, and any out-of-pocket expenses determined by their insurance plan.

If you have any questions about your bill, payment plans, or financing options, our team is here to assist you.

Billing & Insurance Guidelines

To ensure a smooth billing experience, please keep the following in mind:

Confirm your coverage – Check with your insurance provider to verify that CAM Medical Group is in-network with your plan and to clarify details about your coverage, including co-pays, deductibles, and any referral requirements. Remember: If you are enrolled in an HMO plan, please ensure Dr. Cesar Morales is listed as your PCP before scheduling an appointment.
Bring your insurance card – Always bring your current one to each visit. If your insurance details change, please inform us promptly to avoid coverage delays.
Obtain prior authorization – Some treatments or procedures may require prior authorization from your insurance provider. If approval is needed, please obtain it in advance. Our team is happy to assist with the process, if necessary.
Respond to insurance requests – If your insurance company requests additional information, responding promptly can help prevent coverage delays and claim denials.
Understand your financial responsibility – Certain services may not be covered by your plan or deemed not medically necessary. In such cases, you will be responsible for the cost. If you have any questions, our billing team is here to help.

Contact Us

If you have any questions about insurance, billing, or payment options, our team is here to help. Our staff are fluent in both English and Spanish to better assist you. Please call us or request an appointment to discuss your options and get the information you need.

We are committed to making quality care accessible without financial stress.