Billing and Insurance

For patient billing questions, please call
Patient Accounts–Billing Office: 1-800-499-7875 
Monday–Friday 8 am–4:30 pm

Martin’s Point Health Care accepts most major health insurance plans, including most HMOs and PPOs. If you do not see your health plan on our list, please contact your plan directly to ask if Martin’s Point providers are in your health plan’s network. (It is possible that your health plan may contract with providers through another insurer on our list.)

ESTABLISHED PATIENTS: If you are an established patient and your commercial coverage changes to a plan not listed below, Martins Point may be considered out-of-network by your plan (call your new plan for confirmation). For out-of-network HMO plans, this means you will not have coverage if you see a Martin’s Point PCP or specialist without the plan’s authorization. If your new plan is a PPO plan not listed below, we may bill you up to any remaining balance after the plan pays its out-of-network portion.

NEW PATIENTS: If you are a new patient with insurance listed below, be sure to notify your insurance plan of your PCP change in advance of receiving services. You may not have coverage if you see a Martins Point PCP or specialist without the plan’s authorization.

Health Insurance Plans We Accept

  • Aetna
  • Ambetter - Applies to EXISTING PATIENTS only
  • Anthem Blue Cross and Blue Shield
  • Carepartners
  • ChampVA
  • Christian Ministries Fund PHCS - We are out-of-network but will bill this insurance.
  • Cigna
  • Geisinger (Beacon Health)
  • Great West (Cigna)
  • Harvard Pilgrim – (New Hampshire patients need to contact the insurance carrier to see if we are in network as we are not in network with all Harvard Pilgrim policies)
  • Humana Military - Tricare Prime
  • Humana Military - Tricare Select/Tricare For Life - We are out-of-network but will bill this insurance.
  • Maine Community Health Options
  • MultiPlan – PHCS
  • MVP (Cigna)
  • United Healthcare
  • US Family Health Plan


  • State of Maine: Mainecare (Medicaid program) (select providers)
  • State of New Hampshire: NH Medicaid
  • WellSense/NH Healthy Family

In-Network Medicare and Medicare Advantage Plans

  • Aetna Medicare Advantage
  • Federal (Original) Medicare and Medicare supplements
  • Martin’s Point Generations Advantage

Out-of-Network Medicare Advantage Plans

  • Anthem - Medicare
  • United Healthcare (AARP) - Medicare

Insurance Plan We Don’t Bill
Patients will be responsible for payment

  • Ambetter - Applies to NEW PATIENTS only
  • Humana
  • Minuteman

Martin’s Point Contact Information

For questions about a bill you received as a Martin’s Point Health Care Center patient:
Patient Accounts–Billing: 1-800-499-7875

For questions about your benefits as a Martin’s Point health plan member:

Generations Advantage Member Services
1-866-544-7504 (TTY: 711)

US Family Health Plan Member Services

Before your Appointment

Follow this checklist to help ensure a smooth billing process:

  1. Contact your insurance company to make sure you understand your benefits and your health plan’s requirements.
  2. Confirm that Martin’s Point Health Care is a contracted provider of services for your plan.
  3. Obtain a referral, if required by your insurance company. Discuss this with your primary care physician prior to scheduling an appointment with one of our specialists.
  4. Know the limitations of the referral and obtain an extension or expansion of the scope of the referral if needed. To learn more about referrals see the What is a Referral document in the Helpful Forms box to the right.

Payment Plan Guidelines

Formal payment plans can be set up at one of our Health Care Centers or by calling Patient Accounts–Billing directly. The goal of all payment plans is to have balances paid in full within six months however, we recognize this is not always possible. If you feel you are unable to meet our minimum monthly payment requirement, please contact Patient Accounts–Billing to discuss our financial expectations and to gain a better understanding of how we can best partner with you to pay your balance. Exceptions will be based on demonstrating financial need or special circumstances.

Total Account Balance Payoff Time Frame
Payment Needed
to Meet Guidelines
$0-$100 3 months $10-$34 per month
6 months $17-$42 per month
12 months $21-$84 per month
$1001+ 18 months $56+ per month

Payment Method
The preferred method of setting up payment plans is to keep your credit or debit card on file and auto-debit the payment each month. Please note that, when a payment plan is set up, only balances already on your account are included. Any additional balances that you wish to add to the plan will require you to call Patient Accounts–Billing (1-800-499-7875) and may require an increase in the monthly payment amount.

In addition to auto-debit, we can also set you up to receive statements on a monthly basis, at which time you can mail in a check, pay online via the patient portal, or make a call to Patient Accounts–Billing to pay with a credit card over the phone. If you happen to be at a Health Care Center for an appointment and want to pay, we can also take your payment via cash.

Financial Assistance Program

Martin’s Point Health Care is committed to providing quality care to our patients regardless of their financial status. Through our financial assistance program—available for medically necessary services—you may qualify for free care or a reduced cost after insurance processing.

To learn more about our financial assistance program and find an application form, see the Financial Assistance Forms box to the right.