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Accepted Insurance Plans

Dr. CAREing accepts cash, credit cards, debit cards, and Insurance payments.  


Covered Insurance Plans are changing continually.  Please confirm with the front office that your plan is covered, and what is your payment obligation.  Call today to make an appointment with Dr. Astrid Gutsmann in Allen, Texas (972) C-A-R-E-i-n-g (227-3464), or sign-up online


Insurance Plans Accepted as of 7/1/2012


  • Accountable Health PPO - Interplan Health Group

  • Aetna PPO, POS, and EPO

  • Beech Street PPO

  • Blue Cross/Blue Shield PPO/ POS (not on HMO Par Plan or Blue Solutions)

  • Cigna PPO/ Cigna Open Access - Cigna HMO (now includes Great West Healthcare PPO and Open Access POS)

  • First Health PPO / Conventry Health Networks

  • Galaxy Health Network PPO

  • Health Management Network

  • Health Smart PPO and non-gated EPO

  • Health Smart POS and Gated EPO

  • Humana PPO (Choice Care) and Open Access POS

  • MultiPlan, Inc. PPO/ BCE Emergis PPO

  • National Preferred Provider Network (NPPN / Plan Vista Solutions)

  • Pacificare PPO

  • PHCS PPO (Private Healthcare Systems)

  • ppoNext

  • Provider Select PPO

  • Texas True Choice PPO

  • United Healthcare PPO, POS, EPO, HMO (all products) (Tenet/MyChoice)

  • USA Managed Care Organization Inc. PPO



Out of Network Policy

Many patients tell us they must switch their insurance plan. They think they will not be able to see us again. Here is our response:

  • 1. We can still see you out of network. We see hundreds of patients outside of their networks.

  • 2. We are especially sensitive to the fact you are paying out-of-pocket and try to reduce fees wherever we can. We also give lots of free samples. These two things make your out-of-pocket costs just about the same as if you were in network.

  • 3. This has worked for many patients. The cost to them is about the same.

  • 4. If you have something costly such as an MRI or an admission to the hospital, we can refer you back into network very easily.


Medicare Policy: 

We ACCEPT NEW Medicare patients. 


Non-Insurance payers or No-Insurance Card. 

If you do not have your insurance card and valid ID.  You will be allowed to pay cash and get a receipt for a reimbursement from your insurance company before the medical service has been provided.  

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