Insurance Information
We work with many insurance plans. The list below includes commonly accepted payers, but benefits, referral rules, and participation can change.
Coverage Verification
Before or around your visit, our team may review your insurance information to check plan participation, referral needs, specialist benefits, and prior authorization rules. Verification helps reduce surprises, but it is not a guarantee of payment because each insurance plan makes its own final decision.
What to Bring
Prior Authorization
Prior authorization means your insurance plan wants to review a service before it is covered. This may apply to certain medicines, tests, procedures, or referrals. When authorization is needed, we will explain what information is required and what steps may come next.
Accepted Plans
This list is for general guidance. Please call (731) 300-6155 to verify your current coverage before your appointment.
Coverage Type
Tennessee Medicare
Palmetto GBA
Cigna Medicare
Humana (Medicare)
Coverage Type
TennCare Medicaid
MO Medicaid
Amerigroup
Ambetter Health
Coverage Type
Aetna
BCBS Tennessee
Cigna Healthspring
United Healthcare
WellCare
Tricare
Coverage Type
VA Care
Please call to verify coverage. Insurance participation, referral requirements, and prior authorization rules can vary by plan and employer group.
Don't see your plan? Call (731) 300-6155 — we may still accept your insurance.
Medicare
Original Medicare and Medicare Advantage plans can have different networks, copays, and authorization rules. If you have a Medicare Advantage plan, please bring that card in addition to any Medicare information you have.
TennCare
TennCare and Medicaid plans may have referral, network, or authorization rules. Bring your current card and any paperwork from your primary care provider so our team can review what may be needed.
Commercial Plans
Commercial plans can vary by employer group even when the insurance company name is the same. Your plan may have a deductible, specialist copay, coinsurance, or referral requirement.
Financial Questions
These answers are general. Your insurance company can confirm exact benefits, network status, deductibles, and patient responsibility.
Coverage depends on your exact plan, deductible, copay, referral rules, and whether The Kidney Experts is in network for your benefits. We can help verify coverage, but your insurance company makes the final decision about payment and patient responsibility.
Some plans require a referral from your primary care provider before you can see a specialist. If your plan requires this, we may need the referral before your appointment. Call us if you are not sure where to start.
A specialist copay is the amount your plan may ask you to pay for a visit with a specialist such as a nephrologist. Some plans use coinsurance or deductibles instead. Your insurance card or member services number may list this information.
Some insurance plans require prior authorization before they cover certain tests, medicines, or procedures. This does not always mean the service is denied. It means the plan wants more information before making a coverage decision.
Call The Kidney Experts at (731) 300-6155 for help with practice-related questions. For exact benefit amounts, deductibles, and network rules, you may also need to call the member services number on your insurance card.
Need help checking coverage?
Our team can help you understand what information may be needed for your appointment, referral, or authorization.
Call (731) 300-6155