Nephrology Associates
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Insurance and Financial Information

We currently have contracts with many insurance carriers. Yours may or may not be included. We will file all insurance as a convenience to our patients.

Please note – Although we will bill your insurance, full payment is the patient’s responsibility.  We will make every effort to verify your coverage prior to your appointment, yet we cannot guarantee coverage of services by your insurance company.


It is very important that you know what services are covered by your plan and where the services can be obtained. Since we are the only adult Nephrologists in the Chattanooga area, some insurance companies will approve and pay as if they were in-network.

To determine your insurance benefits and eligibility please contact your insurance carrier directly. Note that you are ultimately responsible for payment for all services that are not covered by your insurance plan.


We require Co-pays be paid at the time of service. Any patient balance after insurance is due within 30 days.

It is very important for you to bring your current insurance card(s) each visit and to inform us if there has been any change in your coverage or in your address.

If you are part of an HMO or other plan that requires a referral, it is your responsibility to get a referral. If you don’t obtain a referral, the charges will be your responsibility to pay. Our staff will assist you, if you are having a problem obtaining a referral, but in the end this is the patient’s responsibility.