Co-Pay Information

Co-pays are due in full at the time of service per your contract with your insurance company. Thank you!

Any outstanding balances greater than 90 days must be paid in full at the time of your visit.  If you cannot pay your account balance in full, you must set up a payment plan with our office manager before you can be seen at your visit.

Common insurance questions:

What is a co-pay?  A copay is a fixed amount set with your insurance plan which must be paid in full at the time of your visit before services can be rendered.  Co-pays vary according to insurance plans.

What is a deductible?  A deductible is a fixed amount that a patient must pay out of pocket at the beginning of the calendar year or plan year (which varies across insurance plans) before insurance will pay on covered services at the allowable amount.

For example, a patient with $1,000 deductible must satisfy this in full before their insurance company will pay on medical expenses.

What is co-insurance? Co-insurance is a patient’s shared financial responsibility of their medical expenses.  This is a fixed percentage and varies across insurance plans.

For example, if your plan covers your medical expenses at 80%, you have a financial responsibility of 20% of those medical expenses.

What is an out-of-pocket maximum?  Your out-of-pocket maximum is the most you will have to pay for covered medical expenses in a plan year before your insurance plan begins to pay 100 percent of covered medical expenses.

What is a referral?  A referral is a document from your primary care physician or insurance company that allows a patient to see a specialist.  Referrals have a certain number of visits and expiration date.  Please allow 1-2 weeks for your primary care physician to process referrals.

HMO plans always require a referral from the primary care physician to see a specialist.  An HMO is a pre-paid medical plan that arranges to provide specified services to enrolled members through designated doctors and hospitals for a fixed premium per person.

Thank you for choosing Podiatry 1st for all of your foot and ankle needs!




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Dr. James Anderson, our 5-star rated Belleville IL podiatrist, Columbia IL podiatrist, and O'Fallon IL podiatrist, treats all medical and surgical foot and ankle conditions. Over 10,000 happy patients have found relief for their foot pain, heel pain and ankle pain, and we can help you too! Podiatry 1st can help treat all foot and ankle conditions, including, bunions, diabetic foot conditions, diabetic foot ulcers, diabetic neuropathy, flat feet, foot injuries, foot pain, hammertoes, heel pain, ingrown toenails, joint pain, nail restoration, neuropathy, custom orthotics, toenail fungus and warts.
With the most effective and state-of-the-art, quality podiatry care services in Belleville, IL, Columbia, IL and O'Fallon IL we can help you return to a pain-free life and get back to the things you love! Come experience Podiatry 1st! You will see for yourself that we offer the best podiatry care in Belleville, Fairview Heights, O'Fallon, Shiloh, Swansea, Columbia, Smithton, Okawville, Mascoutah, Freeburg, Trenton, Waterloo, Millstadt, Hecker, Red Bud, Ruma, Maeystown and Fults, Illinois (IL).
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