Co-Payment & Payment

Insurance contracts require us to collect co-payment and deductibles on the date of service. Charges will be billed to your insurance carrier/HMO, but patients are responsible for their account. Patients without health insurance or with billing related questions, please contact our billing department at (301) 334-8282, ext. 203 for Dr. Bayuk, ext. 204 for Dr. Walch and for Dr. Fridkin call (301) 334-1034 and ask for billing.

Insurance Participation

To obtain health insurance or inquire if you are eligible for federal or state assistance with heath insurance please go to Our office currently participates with the following insurance plans:

American Progressive (Medicare HMO)
BCBS Federal Program
BCBS National Accounts
Champus|Tri=Care for Life|Champ VA
DC Medicaid
Federal Medicaid (surgical services not covered under PAC Card)
Garrett County Health Department
Breast|Cervical|Skin Cancer Programs
Garrett County Family Program (Sterilization)

Great West
Humana Medicare
Maryland Physician Care
Maryland Health Insurance Plan (MHIP)
Molina West Virginia Medicaid
One Net
PEIA|Wells Fargo
Railroad Medicare
Unicare WV HMO Medicaid
United Health Care (Mamsi\Optimum Choice|MDIPA included)
United Health Care Medicaid


Unless you are covered under an HMO insurance plan or your insurance requires it, it is not necessary to be referred to our office by another physician. The only time Garrett Surgical Group needs a referral is if your insurance program demands it. It is the patient's responsibility to assure that a proper referral form has been issued and is available at the time of the visit.

Electronic Claim Submission

Garrett Surgical Group’s billing department will submit your insurance claims electronically, at no additional cost, if your insurance carrier has this capability. This will result in faster processing. Alternatively, we will submit your claims by mail.