Will insurance cover my visit?

Deo Medical Cardiology bills insurance directly for patients with the major commercial, government, and regional Blue Cross plans listed below. We've worked with each of these insurers for patients in our panel.

We've worked with virtually all major insurers, including UnitedHealthcare, Cigna, Humana, Medicare Part B, federal employee plans, and 18+ regional Anthem / Blue Cross Blue Shield plans across the country.

Plans we've worked with

What "we've worked with" does and doesn't mean

• ✅ We've worked with your plan on visits like yours in the past.
• ⚠️ It doesn't guarantee your specific plan or deductible structure will cover a virtual cardiology visit.
• ⚠️ Some plans require referrals or pre-authorization for specialty care, even when the practice is in-network.
• ⚠️ In-network status can change — payer contracts update over time. Verify with your specific plan.

How to confirm coverage for your specific plan

Call the member services number on the back of your insurance card and ask whether a virtual cardiology consultation is covered. Helpful CPT codes to reference:

• New patient visit: CPT 99203, 99204, or 99205
• Follow-up visit: CPT 99213, 99214, or 99215

Or email us at clinic@deo-medical.com with your plan name and we'll check our recent claims history for plans similar to yours.

Can I use my HSA or FSA?

Yes — virtual cardiology consultations are qualified medical expenses under IRS rules. You can use your HSA or FSA card directly at booking for self-pay visits, or for any patient-responsibility balance after insurance processes the claim. Pre-tax payment effectively reduces your cost by 20-40% depending on your tax bracket.