Welcome to Our Practice
At our office, we believe your care should be personal, comprehensive, and focused entirely on your needs — not limited by insurance company rules. To give you the best possible experience, Dr. Sader is out-of-network with all insurance plans.
Don’t worry — we’ll help make each step simple and transparent as we work with you through the process. When you call our office, we can check your out-of-network benefits and give you an idea of what to expect in terms of reimbursement from your insurance, based on your specific plan benefits.
To determine your insurance coverage for out-of-network healthcare services, it is advisable to review your insurance policy or directly contact your insurance provider to check your out-of-network maximum, deductible and copayment, and to confirm if your insurance provider requires pre-authorization or a referral for out-of-network services.
How We Work With Insurance
- Commercial Insurance: We work with all commercial insurance plans on an out-of-network basis. Our team will check your benefits and explain what your plan covers. We also file claims for you whenever possible or provide the necessary documents to seek reimbursement. Please keep in mind that all deductibles and coinsurance apply.
- Medicare & Medicare Advantage & Medigap: Dr. Sader has officially opted out of Medicare. This means Medicare cannot be billed for your care, and you will not be reimbursed by Medicare. If you have Medicare or a Medigap plan and wish to see Dr. Sader, you’ll be asked to sign a simple private contract confirming that you accept full responsibility for payment. Certain Secondary “Retiree” Medicare plans may be eligible for reimbursement, we will work with your insurance plan to verify benefit details, this does not include AARP.
- Medicaid and Tricare: Unfortunately, we cannot work with these programs at this time. If you have any coverage under them, we recommend reaching out to your plan for a list of in-network providers in your area.
What “Out-of-Network” Means
Being out-of-network simply means we don’t have a contract with your insurance company. While that can sometimes mean higher out-of-pocket costs, it also means we have the freedom to create a care plan that’s truly personalized for you — without restrictions.
When a health care provider doesn’t have a contract with your insurance company, they’re considered “out-of-network.” This doesn’t mean you can’t see them. It means your insurance plan may cover a smaller portion of the cost, or none at all, depending on your benefits. For patients, out-of-network care usually means paying the provider up front and then submitting a claim to the insurance company for reimbursement.
Payment Options
- Transparent Estimates: We’ll always share your costs up front and collect a deposit at your visit.
- Superbill: If you prefer to self-pay, we’ll provide a detailed superbill so you can submit a claim to your insurance for possible reimbursement.
- Self-Pay: If you don’t have insurance or your benefits are limited, we offer straightforward self-pay options and will work with you to keep costs manageable.
- Savings Programs: Whenever possible, we’ll help you find programs that may lower your out-of-pocket expenses.
Why Patients Choose Dr. Sader
Our approach is all about you — not insurance company checklists. We combine evidence-based treatments like non-opioid medications, physical therapy, and targeted injections to address pain from every angle. Every plan is designed around your specific needs, goals, and lifestyle.
