New Jersey Patients: Now Accepting Horizon NJ Health and Aetna

Insurance and Billing

An easy, convenient payment option

Click here to complete your payment on-line (for dermatology services only)

Insurance Information

Most affiliated DermOne providers accept the majority of insurance plans in the region where their practice is located.  Please contact DermOne at 800-Derm-One to see if your health plan is accepted.

For specific information related to your benefits (such as copay or coinsurance costs, or if your plan has a limited network), please contact your insurance plan at the phone number listed on your insurance card.

Patients are responsible for payment of copayments and coinsurance amounts at the time of service.

Click here to Request an Appointment.


As a valued DermOne patient, you are entitled to take advantage of a truly cost-effective tool for managing your essential healthcare costs. It’s called CareCredit, which is a credit plan that works like a credit card. You apply online and once you’re approved, you can use CareCredit to pay for healthcare treatments and procedures for both you and your entire family. Best of all, it offers a number of financing options that enable you to avoid interest fees by simply making your minimum monthly payments.

Click here to Apply for CareCredit.


Get answers to your billing questions

When it comes to health care, there are likely to be questions about billing and insurance coverage. We are happy to answer your questions and support you in any way we can.  Here are some frequently asked questions and answers to assist patients of DermOne affiliated providers.

Do you accept my insurance?

DermOne does accept the majority of insurance plans in the areas where our practices are located. Please contact your insurance provider using the phone number on the front or back of your insurance card to see if we are considered in network with your plan.

What is a copay?

A copay, short for copayment, is a small, fixed amount of money that the insurance provider requires the insured person to pay at the time of service each time he or she comes in for an office visit. Please note: Because DermOne is considered a specialist office, a higher copay may apply.

What is a deductible?

A deductible is the amount an insured person must pay out of pocket for healthcare expenses before the insurance company (or self-insured company) will contribute. Often, insurance plans are based on yearly deductible amounts. If your statement claims that your visit was applied to your deductible, that amount must be paid to our office. Please note: Most procedures performed in an office setting are applied toward a yearly deductible. To determine what your deductible is, please call your insurance company. To find out if the charges associated with your appointment will be applied to your deductible, please ask your insurance provider specifically about your benefits associated with an office visit and with any in office procedure.

This works just like the deductible for your car insurance or homeowner’s insurance policy.

How will I know when my deductible has been met?

You can call your insurance company at any time to check on how much of your deductible has been met – some insurance companies have this information available online. Every time you receive medical services, you will receive notification from your insurance company explaining what was paid on the claim, or if the claim was not paid on and was applied toward your deductible.

Family plans often have both an individual deductible, which applies to each person, and a family deductible, which applies to all family members.

What is coinsurance?

Coinsurance refers to the money an insured person is required to pay for services, after a deductible has been met. Coinsurance is often specified by a percentage of the full charge for the visit. For example, the insured person pays 20 percent toward the charge for a service and the insurance company pays 80 percent.

When do I have to pay for services?

Any time you receive medical care, you will be expected to pay in full for your services until your deductible is met. If you have a very large deductible, called a high-deductible insurance plan, you may have to pay out of pocket for most of your medical services. If your deductible is not paid in full at the time of service, you will receive a statement from DermOne.

When will I receive a statement?

If you have insurance coverage, you will receive a statement from DermOne after we receive an Explanation of Benefits from your insurance provider. If you do not owe anything for a specific visit after the insurance responds, you will not receive a statement from DermOne. You will only receive a statement from DermOne if you have a balance on your account that is considered “patient responsibility” by the insurance company, or if the insurance denied the claim for any reason. Please contact your insurance company regarding a denial. The reasons that a claim may be denied include, but are not limited to, the patient needs to update coordination of benefits, the premium is unpaid, a dependent is not covered, the patient has a preexisting condition, or a referral was needed and we do not have one on file. Please refer to any notes on your statement for detailed information about the claim.

Why did I receive a statement?

The patient’s responsibility is determined by the insurance company. If no payment is received from the insurance company, it could be because either the insured person has to meet a deductible before any payment can be made, or the insured needed to contact the insurance company before the processing of the claim. If the latter is true, the insured would have received documentation from the insurance company explaining what is needed. Please call your insurance provider with any questions specific to payment on a claim from DermOne.

What if I believe I received a statement in error?

If you believe you received a statement in error, call the DermOne billing department at 800-Derm-One and follow the prompts for billing inquiries. We will be more than willing to answer any of your questions.

What if I do not have insurance?

Regardless of whether you have insurance coverage, DermOne will evaluate and treat your dermatology condition. For patients without insurance, an upfront charge for an office visit will be required before seeing the provider. Once you are evaluated, your provider will determine if a treatment plan and/or services beyond an office visit are needed, and those charges will be collected at check out. Fees will differ for surgical appointments. Please note: Pathology charges collected at time of service are for a basic dermatopathologic reading. If for any reason additional testing is needed, these additional charges will be billed to the patient. We make every attempt to collect all charges at the time of service. If for any reason a service is performed and payment is not made, a statement will be generated for the outstanding balance.

What forms of payment can I use?

DermOne accepts cash, personal checks (for noncosmetic procedures), Flexible Spending Account, Healthcare Reimbursement Account, Healthcare Savings Account, CareCredit, VISA and MasterCard credit card payments.

What are “in network” and “out of network” providers?

In network providers are providers that are contracted with your specific insurance plan. When providers are contracted with your plan, the benefits from the insurance company are much greater than if the provider is not contracted (out of network). When providers are out of network with your plan, the insurance benefits paid will be much less than if the provider was in network. Please check with your insurance company if you have a tier plan.

Will my insurance plan cover a preventive skin exam?

Our providers are happy to see you for an exam and a consultation. Most insurance plans do not cover routine preventive skin examinations. However, most patients who consider a visit to a dermatologist have skin spots, birthmarks, lesions, moles or other noticeable skin conditions that cause concern. Once a condition or lesion has been diagnosed by a dermatologist, whether the spot is benign or malignant, your insurance plan will not consider it “preventive care” and the visit will thus be covered and subject to any co-pay, co-insurance or deductible – all dependent on your particular coverage.

What if I have more questions?

Our DermOne team is happy to speak with you about your account at any time. Please contact our billing department at 800-Derm-One with any questions.