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New and prospective patients: Please fill out the pre-registration form then call 773-227-3669 to make an appointment.


The Billing Process

Thank you for letting AAYU Clinics take care of you. We understand that medical charges and insurance plans can be complex. We have a staff dedicated in helping you understand your billing issues and answer any questions or concerns you may have.

1. We submit charges for services rendered to your insurance carrier.

2. You may receive an Explanation of Benefits (EOB) from your insurance network -please disregard it for payment since this is NOT the amount you owe. The EOB is simply a statement of benefits received.

3. After settlement of the charges with your insurance is complete, you will get a statement from our clinic for the balance due.  This is the amount, if any, that you owe.


What types of insurance do we take?

We accept all  plans listed above. Most HMO plans require a referral from your doctor.  If you have an Illinois HMO plan not listed above, please get a referral from your doctor or authorization from your  carrier to insure, they cover your expenses.


What if I don’t have insurance?

We have deeply discounted service rates for patients who pay at the time of service. To avail of the discounted rate, charges must be paid at the time of the visit.

Our services are $175 for a new and $125 for return visits.  Any laboratory or testing, X-rays or procedures are and additional discounted charge.  


What if my insurance was not listed in the plans?

In the rare case that we are out of your network, we will be glad to provide a professional discount to match your in-network fee


What is my co-payment?

Your co-pay is the cost that patient is required to pay at the time of the visit. This is paid for routine services to which your deductible does not apply. Your co-pay is typically found on the front side of your insurance card. The co-pay is not the only payment that is expected, you will receive a bill from the clinic some time after your visit.


What is a deductible?

The deductible is the amount that you need to pay before the insurance will cover any of your doctor’s visits. This amount varies for all insurance plans and should be met within the calendar year before your policy will begin to pay for any of your health  care costs. Not meeting your deductible is one of the reasons that patients can end up with large bills since the costs of the visit is being applies toward the deductible. 

If you have a deductible plan – your insurance expects you to meet this responsibility before any insurance payments are made. Like many other medical practices, we ask our patients to pay this at the time of service.


What is coinsurance?

This is the percentage of the medical cost that each patient must pay after you have met your deductible. This can vary for each plan, where the patient pays for a small percentage of their medical costs and the insurance company meets the rest.

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