Insurance is required to be compliant with the Affordable Healthcare Act. You may use your insurance to pay for visits to specialists, the ER, hospital stays, X-rays, and extended labs not covered under membership. You may use any insurance or choose catastrophic coverage.

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BIM supplies specific primary care services and membership makes those services available to you for a single low monthly fee.  BIM does not contract with any insurance organizations and care received at BIM does not go towards insurance deductibles.  All patients are responsible for inquiring with their insurance or cost sharing organizations on the possibility of coverage & managing their billing process.  BIM will not bill any organization for care provided.  Dr. Benton has opted out with Medicare and Medicaid which stipulates that Medicare and Medicaid covered members cannot attempt to obtain insurance reimbursement for BIM services as well.  Health Spending Accounts (HSA) and Flexible Spending Accounts (FSA) may cover certain medical expenses provided so we encourage you to check with your HSA/FSA organization on coverage possibilities.

Please note that because the membership program is not a comprehensive health insurance and only supplies specific primary care services, you may want to consider purchasing health insurance to cover catastrophic medical expenses that may incur outside of this practice scope and to meet the requirements of the Affordable Care Act to avoid paying a penalty. A popular one that many people have found reliable is Samaritans. Below are several of the other alternatives to Insurance.