Insurances The surgeons of Pioneer Valley Surgical Associates are participatory providers in many of the major health insurance plans including: Aetna PPO & Managed Care BMC Healthnet Blue Shield of MA and CT Medicare ConnectiCare Tufts Health Plans Harvard Pilgrim Health Plans Health New England United Healthcare HMO Blue, Blue Care Elect and Blue Care 65 U.S. Healthcare as well as many others If we do not participate with your plan, we will be more than happy to see you, however, an out-of-plan referral will be needed. Important Reminder: If you health insurance plan requires a second surgical opinion, or preadmission certification prior to surgery, it is your responsibility to promptly notify your health plan and follow their required administrative procedures. Failure to do so may significantly increase your liability for payment of surgical fees. Payment For your convenience, Visa and MasterCard are accepted for payment of your bill. Please remember that insurance is considered a method of reimbursing the patient for fees paid to the doctor, and is not a substitute for payment. Some insurance companies or health plans pay fixed allowances for certain procedures, and others pay a percentage of the charges. It is your responsibility to pay any deductible amount, co-insurance, or any other balance not paid by your health plan. A disclosure of fees is available at any time. We will be happy to help you receive maximum benefits.  The agreement of the insurance company to pay for medical care is a contract between you and the company, not between the company and your physician. We know questions can arise concerning insurance matters and billing procedures. These will be promptly and courteously answered by calling our business office at (413) 733-0089 between 9:00 a.m. and 3:00 p.m.