29 Pine Brae Drive, Skillman NJ 08558
609-474-HEAL (609-474-4325)     Fax: 609-644-4400




How to submit your visit to
Dr. Ginsburg to your insurance company.  


You may be able to submit the cost of seeing Dr. Ginsburg to your insurance company, even though she "does not participate" with insurance company plans and HMOs. 

You can do this if you have "out-of-network" insurance benefits.
(An explanation of why she chose to not participate with insurance companies is here.)

However, we do not accept medicaid or medicare.

You can also pay medical bills using a Flexible Spending Account (FSA) debit card, if your employer offers you the kind of medical insurance that is allowed to offer an FSA. 

Lab tests:

Many tests are covered by all insurance companies, and some tests are not covered at all.

How to make an "out-of-network" claim:

Call your insurance company.
The phone number is on your insurance card, on any statements you receive from them, and on the policy booklet.

Ask if your plan covers out-of-network medical care. They can also tell you the percentage of the fee they will reimburse you. 

Get the form your insurance company requires be attached to an out-of-network claim. When you call they can tell you how to get this. Often it is a simple download on your computer.

How to submit:


Pay for the visit.
At Healing Oceans, you must pay for the visit when you leave. Dr. Ginsburg will give you a form showing the charge and how much you paid.

Fill out the form your insurance plan requires.
You will need your account number from your insurance card or policy statement.

This form is then combined with the form Dr. Ginsburg gave you, and you either mail it, fax it, or scan / email it to the insurance company.

Wait for the mail
The insurance company then sends you a statement of how much it decides you should receive, and this comes with a check for the amount that is covered.





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