Insurances

RefinedMD is located in Los Gatos and serves all of the greater San Jose area. Led by Dr. Steven Swengel, board certified dermatologist, we invite you to learn more about how you can get fantastic skin with our variety of medical and cosmetic treatments available at our practice administered by our committed group of certified registered nurses and nurse practitioners with combined decades of experience. Our staff will walk you through your treatment options so that you can make the best decision for you, your skin, and your wallet.

Medical Insurance

RefinedMD welcomes medical and dermatology patients. We are a self-pay clinic. A Superbill and a receipt of payment for services will be provided to you during your appointment in order for you to seek possible reimbursement from your insurance plan. If your health insurance plan is able to provide full or partial reimbursement for your visit, the reimbursement payment will be mailed directly to you from your insurance carrier. Please understand that payment is expected to be paid in full at the time of your appointment.

Frequently Asked Questions

What is a self-pay clinic?

RefinedMD is a self-pay clinic. Self-pay means that we are an out-of-network provider. A doctor or physician does not have a contract with your health insurance plan. Your benefits and coverage may be reduced. Some health plans, such as an HMO plan, will not cover care from self-pay clinics at all, except in an emergency.

Is payment due at the time of service?

You will be responsible for making payment in full at the time of service at RefinedMD. Many insurance companies will allow you to submit a bill for reimbursement, and we encourage you to check with your insurance company on their particular policies. We will, of course, still be able to see you as a self-pay clinic. You’ll simply pay for the cost of your visit at the time of service. Please call the number on the back of your card to verify coverage.

Can you bill insurance?

We are a self-pay clinic and we do not bill insurance, however, many insurance companies will reimburse you if you submit the bill. If your health insurance plan is able to provide full or partial reimbursement for your visit, the reimbursement payment will be mailed directly to you from your insurance carrier. Additionally, patients are responsible for all unmet deductibles, applicable co-payments, coinsurances, and all office fees at the time of their visit. Any and all outstanding patient balances are due upon receipt or the next visit.

Cosmetic and Aesthetic Services

When opting for cosmetic treatments such as Botox, Dermal Fillers, Microneedling and more, payment is due for all cosmetic procedure fees at the time of your visit. This includes procedures deemed cosmetic by the provider, including but not limited to, removal of skin tags, removal of benign moles, and removal of keratosis or seborrheic keratosis. All laser procedures are considered cosmetic unless the provider specifies otherwise. If you subsequently file a claim with your insurance for a cosmetic procedure and your insurance erroneously covers the procedure, you are not entitled to reimbursement by our office, and we are obligated to notify your insurance carrier of their error.

Full payment for all non-medically necessary services and medical services are due at the time of your visit. We accept American Express, Visa, Master Card, Personal Checks, Cash, Alphaeon Credit, and Care Credit. Refined Gift Cards are also available. Contact RefinedMD today to schedule your detailed evaluation (408) 688-2082.