Cosmetic Procedures are not covered by insurance, however medically necessary procedures may be covered.  Dr. Willoughby is "in-network" for the following insurance plans.

• Medicare
• Humana (Choice Care, POS and PFFS plans)
• Coventry/First Health
• Great West (many "Cigna" cards still operate as a Great West plan)
• Banner Health

Although Dr. Willoughby is not in-network with the following insurance plans, your policy may have out-of-network benefits which would pay for part or all of your fee.  We are always willing to make special arrangements for patients who are out-of-network.  The following plans work quite well with typically little increase in a patient's out-of-pocket expense (please call the office for details):

• Anthem Blue Cross Blue Shield
• Cigna
• Aetna
• Private Healthcare Systems (PHCS)
• Rocky Mountain Health Plans
• United Healthcare

While we are happy to see everyone, the following plans often result in higher out-of-pocket expenses:

• Secure Horizons
• Most HMO plans
• Any plan with zero out-of-network benefits