The bill explained
in plain English.
We translate Medicare Advantage codes, Medigap supplements, and geriatric billing into one clear number — and one clear next step. No hold music. No jargon.
What will my visit cost?
Get a plain-language estimate in seconds.
Real answers from the people
who handle your paperwork.
Every section below is written by the staff member who actually deals with that issue — not a marketing team.
Rosa Delgado
Senior Billing Specialist, 14 years
"The code gets denied because the note doesn't say the word 'functional' — one word. We fix that."
Why Geriatric Assessment claims get denied — and how we fix it
A Comprehensive Geriatric Assessment (CPT 99483) is the most thorough visit Medicare covers. It takes 50 minutes and covers your memory, medications, fall risk, and daily function. But insurers deny it constantly — not because the visit was wrong, but because the doctor's note missed a specific phrase. Our billing team reviews every note before it goes to the insurer. We catch the gaps that cause denials before the claim even leaves our office.
We review your doctor's note for required documentation elements
We confirm your plan covers code 99483 before the visit
If denied, we file an appeal with the corrected documentation within 5 business days
Dr. Helen Lam, MD
Geriatrician & Medical Director
"'Incident-to' sounds complicated. It just means: did your doctor supervise the visit? If yes, Medicare pays the same rate."
What "incident-to billing" means for your copay
When a nurse practitioner or physician assistant sees you, Medicare has a rule called "incident-to" billing. If your doctor is in the building and supervises the visit, Medicare pays the full 100% physician rate. If not, Medicare pays only 85% — and your share goes up. At Copay, we schedule visits to always meet the supervision requirement. You should never pay more because of a staffing technicality.
Your visit is always scheduled when your supervising physician is on-site
Our front desk confirms the supervision requirement is met before your appointment
If your EOB shows an 85% payment rate, call us — it may be a billing error
Marcus Webb
Patient Advocate & Appeals Coordinator
"A denied claim is not a final answer. Seventy percent of appeals we file are reversed. You just have to know how to ask."
Your claim was denied. Here is exactly what happens next.
A denial letter can feel like a door slamming shut. It isn't. Medicare Advantage plans are required by law to review every appeal. Our team files the appeal, writes the letter, gathers the clinical notes, and tracks the deadline. You don't have to make a single phone call. In 2025, we reversed 71% of denied prior authorization requests for our patients. The most common reason for denial: the insurer said the service wasn't "medically necessary." The most common reason we win: we show them it was.
You receive a denial — forward it to us or bring it to your next visit
We request your insurer's specific denial reason in writing within 24 hours
We prepare and file the appeal, including supporting clinical documentation
You receive written notice of the outcome within 30–60 days (we track this for you)
We accept most plans.
Let's check yours.
Not sure if we're in-network? Call us or use the form below — we verify within one business day.
Original Medicare
Parts A & B
Always acceptedMedicare Advantage
Most major plans
In-network verifiedMedigap / Supplement
Plans A, B, D, G, N
Full coverage supportMedicaid
Dual-eligible welcome
AcceptedHumana
HMO & PPO plans
In-networkUnitedHealthcare
AARP Medicare plans
In-networkAetna
Medicare Advantage
In-networkBlue Cross
Medicare & commercial
Most plansCigna
Medicare Advantage
In-networkAnthem
Medicare plans
AcceptedWellcare
Medicare Advantage
In-networkNot sure?
We'll verify for you
Free verificationFor senior living office managers
We provide a verified insurance acceptance letter for your records. Call our billing line directly and we'll confirm accepted plans for any resident referral within the same business day.
Schedule a Billing Review
A real billing specialist — not a chatbot — will call you back within one business day. Bring your Medicare Summary Notice or Explanation of Benefits. We'll walk through it together.
Download Our Insurance Checklist
A printable one-page PDF listing every document to bring to your first appointment — Medicare card, EOB letters, medication list, and more.
What's included