Insurance and Billing

Note: We are no longer accepting new Medicaid patients at this time.

For all patients, new and established:

Please check with your insurance company to make sure that we are in-network and to find out whether you need a referral to see us. Usually they have a website where you can access a list of providers in your network.  With the Affordable Care Act (ACA), we are finding that there are many new plans and we are not necessarily automatically contracted with them even though we were before ACA. In addition, your plan may request a referral to see us even though it did not have such requirement before.

Since more and more insurance plans are high deductible plans, it is our policy to collect your copay, coinsurance and deductible at the time of the visit. On the day of your visit, we will estimate all your financial responsibilities as accurately as we can.  If your insurance pays more than our estimations, we will refund you as soon as possible, normally within 3 business days after receiving the EOBs (explanation of benefits) from your insurance company. Thank you for your cooperation.

Aetna US Healthcare
Blue Cross/Blue Shield
ChoiceCare Network
Cigna Health Plan
Cofinity (previously Sloans lake)
Colorado Access
Colorado Child health plus
Golden Rule
Great West Health Care
Health Management Network
Health Star
National provider network
Rocky Mountain Health Plans
Secure Horizons
Sloans Lake Managed Care
Three Rivers Network
United Healthcare of Colorado
United Medical Alliance
USA managed care organization

Per SkinWise Dermatology’s contract with your insurance carrier, we are required to collect all deductibles, co-insurances and co-pays at the time of service.

In order to implement this process, we will use the cost-estimator provided by your insurance company to estimate your responsibilities including copay, co-insurance and deductible.

We expect you to pay your responsibilities in full at the time of the visit. As a courtesy, we will file your claim for you to your insurance company and once we receive the adjudication, you will be refunded promptly if you overpaid us.

*Patients with Medicare and Medicaid are exempt from this policy.

If you need a receipt, we are happy to email a copy to you the day after your visit or any time you send us an email request.


SkinWise Dermatology Clinic P.C.

Dr. Isabel Zhu

General and Cosmetic Dermatology, Dermatological Surgery

Contact Us

Phone  (303) 427 0432

Fax       (855) 504 1008

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