Apollo Cardiology is an out-of-network practice. This means that we will be collecting a fee up front for our services, but this fee can be submitted to your insurance for reimbursement, depending on the nature of your plan. You can also use a Flexible Spending Account (FSA) or Health Savings Account (HSA) for medical visits. The fees for this investment in your health is posted on the online scheduling page. Labs, hospital testing and medications that are normally covered by insurance will still be covered. Medicare patients are welcome at Apollo Cardiology. Patient’s will directly contract with Dr. Twyman (Apollo Cardiology). Patients who have Medicare will be given a letter stating that Dr. Twyman is opted out of Medicare. The practice will not bill Medicare for office visits. Medicare patients may submit the office visit bill to their secondary/supplementary insurance for possible reimbursement.