You can contact us with your insurance plan details, and we can help you check whether it is accepted. Coverage can change, so it is also a good idea to verify your benefits with your insurer before your visit.

A co-pay (or copayment) is a fixed flat fee defined by your insurance plan that you pay upfront at the time of your medical visit. Co-pay amounts can vary depending on the type of service you are receiving (for example, a primary care wellness visit versus an urgent care visit).

A deductible is the total amount you must pay out-of-pocket for covered medical services each year before your insurance company starts sharing the costs. For example, if your deductible is $1,000, your insurance plan won't pay for certain covered services until you have paid that $1,000 yourself.

If your insurance is flagged as "not verified," it means our automated system was unable to instantly confirm active coverage with your provider using the details provided. This can happen due to a simple typo, a recent change in your plan, or a temporary system outage with the insurer. If this occurs, our team will review your card manually, or you can contact your insurer directly to confirm your benefits.

Insurance networks are established through specific contractual agreements between healthcare groups and insurance carriers. While TMM Medical Group partners with the vast majority of major insurers, out-of-network status can occasionally happen based on strict regional boundaries, specific employer plan restrictions, or specialized care tiers. We recommend calling your insurance provider to understand your out-of-network benefits.

If we are out of network for your plan, we do not have a direct billing contract with that insurer. Because out-of-network benefits vary, we collect payment at the time of service. We can give you an itemized receipt, also called a superbill, so you can submit a claim to your insurer.

If you have questions about a bill, a statement, or an insurance claim, our billing support team can help. Email admin@tmmmedicalgroup.com or call (757) 977-9675 during normal business hours, Monday through Friday.

Our self-pay pricing is built on a transparent, flat-fee model designed to take the guesswork out of healthcare costs. We bundle the cost of clinical expertise, basic medical supplies, and facility operations into clear, upfront rates so that patients without insurance—or those choosing to pay out-of-pocket—know exactly what they will owe before their care begins.