My question involves insurance law for the state of: Massachusetts
I am a developmental pediatrician in MA. I conduct evaluations of children with suspected developmental delays. I initially planned to simply be fee for service and not take any insurance. Now, I am considering contracting with one insurance carrier that is popular in my area. The insurance company offered me a reasonable reimbursement for my services but I work with a team of individuals (speech pathologist and occupational therapist) whose services would not be adequately reimbursed.
So, my question is this. Is it legal for me to accept insurance for my portion of the evaluation and charge the patient for the speech and OT portions. I would be upfront with the patient about the out of pocket expense and they would only book an appointment if they were comfortable with those fees. If they were not comfortable they would not be offered an appointment because I only see children as part of the team evaluation (ie. they can't just see me if they want to at this office).
The speech pathologist and OT are employees so I question if they are allowed to not accept insurance if I do (even though they do not have an individual contract with the insurer).
I also wonder if this would be seen by the insurance company as balance billing because there would be some out of pocket expense to be seen at this site. I didn't think so because it is NOT my balance they are being charged but to be honest I am not sure how this could be viewed.
thank you for any help you can provide and I am happy to provide more information if needed to clarify any ambiguous points.