Insurance & Paying for Your Care

We are committed to making the financial side of your care as clear and stress-free as possible.

Accepted Insurance Plans

Dr. McLawhorn currently participates with:

  • Aetna  |  BCBS Federal  |  BCBS Anthem of NY (formerly Empire)  |  BCBS Anthem of CT

  • BCBS Anthem Gatekeeper Individual Network  |  BCBS Horizon

  • Cigna  |  Connecticare (not through Access Health CT)

  • EmblemHealth GHI  |  EmblemHealth HIP  |  EmblemHealth Select Care

  • The Empire Plan / NYSHIP  |  Oxford  |  UnitedHealthcare  |  UnitedHealthcare Compass

If your plan is not listed, you may still have out-of-network coverage. Call our office to discuss before scheduling.


Medicare

As of July 1, 2024, Dr. McLawhorn opted out of the Medicare program.

This was a difficult decision made after careful consideration. Opting out does not mean that Dr. McLawhorn cannot care for Medicare patients. Rather, it means that Medicare and Medicare Advantage plans cannot be used to pay for his professional services.

What this means for you if you choose to receive care from Dr. McLawhorn:

  • You are responsible for paying his professional fees directly; These fees not reimbursable through any Medicare plan

  • Medicare will continue to cover hospital charges, anesthesia services, imaging studies, laboratory testing, implants, medications, physical therapy, and other covered ancillary services.

  • Medicare supplemental (Medigap) plans will continue to help cover eligible hospital and ancillary costs but cannot reimburse Dr. McLawhorn's professional fee.

  • Some non-Medicare secondary insurance plans may reimburse a portion of the professional fee. Patients should confirm coverage directly with their insurance carrier.

Why did Dr. McLawhorn make this decision?

Over time, Medicare reimbursement for orthopedic surgery has failed to keep pace with the increasing costs of delivering high-quality, personalized care. After careful analysis, Dr. McLawhorn concluded that remaining outside the Medicare system was the best way to preserve the level of access, service, availability, and individualized attention his patients have come to expect.

Importantly, opting out allows Dr. McLawhorn to continue caring for Medicare beneficiaries while maintaining the resources, staff, technology, and patient-centered approach that are central to his practice.


Fees & Payment

Dr. McLawhorn's surgical fee includes the operation itself as well as all routine postoperative care during the 90-day global period, including scheduled office visits, telephone and electronic communications, and standard care coordination related to your recovery. The fee does not include hospital or ambulatory surgery center charges, anesthesia services, imaging studies, laboratory testing, implants, medications, physical therapy, or care provided by other physicians or healthcare professionals.

Please note that professional services provided by Dr. McLawhorn's physician assistants are billed separately and are not included in Dr. McLawhorn's surgical fee.

Payment is due prior to services being rendered. Patients are encouraged to contact the office for a personalized good faith estimate of expected costs.


Financing

Flexible financing is available through CareCredit®, a healthcare financing program accepted by our practice. Qualified applicants may be eligible for convenient monthly payment plans. To learn more or apply, visit carecredit.com/go/682JBT

Patients may also qualify for financial assistance through Hospital for Special Surgery (HSS) for hospital-related charges. However, HSS financial assistance does not apply to Dr. McLawhorn's professional fees and cannot be used to offset the cost of office visits or surgical care provided by Dr. McLawhorn.


Common Procedure Codes

  • Total Hip Replacement (including Resurfacing): CPT 27130

  • Total Knee Replacement: CPT 27447

  • Partial Knee Replacement: CPT 27446