****CLOVE LAKES ENT  is contracted with the below list of insurances, the list is updated periodically and is subject to change.  Check with your health plan directly to verify coverage for your specific plan before calling to schedule an appointment*****

Any insurances WITH ASTERISK or is an HMO NEEDS a referral

• 1199 (WE DO NOT ACCEPT 1199 THAT IS AFFILIATED WITH FIDELIS, THE CARD WILL SAY FIDELIS BEHIND THE 1199 SYMBOL)
• AARP
• AETNA (ALL PLANS)
• BLUE CARE POS, BLUE CARE DIRECT, BLUE CARE BASIC AND EHP
• APWU-AMERICAN POSTAL WORKERS UNION
• EMPIRE PLAN (UNITED HEALTHCARE)
• EVERCARE
• GHI-PPO (INCLUDES: CBP, FLEX SELECT, MEDICARE PLUS AND NETWORK ACCESS)
• FIDELIS*
• GHI: HMO (COMMERCIAL HMO ONLY -SHOULD STATE ON CARD) *PATIENT SHOULD VERIFY DOCTORS PARTICIPATION BEFORE MAKING APPOINTMENT****
• MAGNACARE: INCLUDES SHEET METAL WORKERS UNION #28, DIVISION 1181 ATU, LOCAL 14-14B, LOCAL 15A, C, D ETC.)
• MAIL HANDLERS BENEFIT PLAN
• MEDICARE
• NALC: NATIONAL ASSOCIATION OF LETTER CARRIERS
• NY DISTRICT COUNCIL OF CARPENTERS WELFARE FUND
• OXFORD *
• TRICARE
• UNICARE
• UNITEDHEALTHCARE
• MULTIPLAN- *ADVISE PATIENT TO VERIFY DOCTORS PARTICIPATION BEFORE MAKING APPOINTMENT* **MULTIPLAN HAS MANY DIVISIONS THAT WE MAY NOT PARTICIPATE IN **

Insurances which require a referral

These insurances CAN NOT be seen WITHOUT a referral!

• AETNA HMO
• BCBS HMO
• OXFORD: black box on back of card will indicate whether a referral is required or not!
• WELLCARE
• FIDELIS