970-945-8503
970-945-8503
We know that healthcare billing and insurance can feel complicated, and we’re here to make it as simple and transparent as possible. The resources below are designed to help you understand your coverage, estimate costs, access required forms, and find answers to common questions.
Whether you’re planning a visit, reviewing a statement, or moving your care to GMA, this page is your starting point for everything related to billing and insurance. If you need help at any point, our billing team is here to support you. Call or text us at 970-945-8503.
Answers to common questions about statements, insurance processing, payment timeliness, and billing terms
We work with most major insurance carriers. Because coverage can vary by plan, we recommend checking with your insurance company before your visit to confirm that GMA is in your network and to understand your specific benefits.
There are many convenient ways to make a payment:
Pay with mobile by scanning the QR code on your statement.
Mail a check or money order to:
GMA – ATTN: Billing
P.O. Box 268897
Oklahoma City, OK 73126
Autopay: Keep your credit card on file. We’ll send a payment reminder three days before your card is charged for the balance due.
Pay by phone: Call us at 970-945-8503.
Updating your information is easy and can be done several ways:
Call us at 970-945-8503 with any information you wish to update.
Text us at 970-945-8503 with the information, along with a picture of the front and back of your insurance card.
Update it through your patient portal.
Tell us during the check-in process for your next visit.
A list of commonly billed procedures with prices can be found on our Commonly Billed Services page. If the procedure you’re looking for is not on this list, please call or text us at 970-945-8503 for more information. You should always check with your insurance company directly prior to your visit to verify GMA is in your network and ask any specific information related to your individual policy.
If you believe you’ve already made a payment, we’re happy to help. Please call or text us at 970-945-8503, or log in to your patient portal to check whether your payment has been posted.
We understand that medical expenses can feel overwhelming at times. We offer several payment plan options based on your financial situation and are happy to work with you. If you prefer not to set up a payment plan, balances are due within two billing cycles before collections may begin.
All charges are submitted to insurance first. Most insurance companies pay services after the deductible and out-of-pocket max have been met. Check with your insurance company directly prior to your visit to verify GMA is in your network and to determine what will be covered if you have not yet met your deductible and out-of-pocket max.
Annual physicals are generally covered by insurance under the Affordable Care Act. However, if additional concerns are discussed, evaluated, or treated during the same visit, you may see charges related to a problem-focused visit. Most patients appreciate the convenience of a single visit that makes the most of your time. In these instances, when an annual physical and a problem-focused visit are combined, you may incur an additional co-pay, co-insurance, or an out-of-pocket expense, depending upon your policy. Some, but not all, labs are considered preventative services. If a lab is ordered during a preventative visit but is run for diagnostic purposes, we are required to use the diagnosis code.
No, not all labs are covered because your visit is for your annual physical. If you are uncertain if the lab work ordered will be paid by insurance, please contact your insurance company directly prior to completing that lab work.
We can request an audit to confirm that the coding was submitted correctly. By law, medical clinics cannot change billing codes unless an error is identified, but we’re always happy to review the charge and ensure it was billed appropriately.
GMA is required by law to list our Lab Director as well as the referring provider (your provider) on any claim billed to insurance for GMA lab services. This may be shown on your bill as Dr. Kober, since she serves as Lab Director, even though you didn’t meet with her directly.
A “deductible” is what you pay first for health care services, in addition to your monthly insurance premiums before insurance covers the cost. Once you reach your deductible and out-of-pocket maximum, your insurer should cover the costs of your health care services in full. Your out-of-pocket maximum is often on your insurance card and may vary depending on whether you are using services “in network” or outside your insurance network. If you are unsure, check with your insurance company directly before your visit to verify GMA is in the network and to determine what will be covered if you have not yet met your deductible and out-of-pocket max.
Depending on your policy, you may still have a co-payment or co-insurance until you meet your out-of-pocket max. Check with your insurance company directly before your visit to verify GMA is in your network and to determine what will be covered if you have not yet met your deductible and out-of-pocket max.
An “Advanced Beneficiary Notice of Non-Coverage,” or ABN, lists the items or services that your provider anticipates Medicare will not cover, along with an estimated cost and the reasons why Medicare may not pay. When you sign the ABN, you may choose to receive those items or services and assume the associated costs should those services not be covered by Medicare or decline the items or services Medicare is expected not to cover.
Your GMA provider is your partner in health. If an insurance claim is denied, your provider may be able to submit supporting documentation or a letter on your behalf when appropriate.
Glenwood Medical Associates does not charge patients for copies of their medical records. Fees apply only to third-party requests, such as those from insurance companies or attorneys, and are set in accordance with state regulations. The processing fee is $14.00 for the first 10 pages, $.50 per page for pages 11-40, and $0.33 per page for each additional page.
In practice since 2000
“With more than two and a half decades of experience, I’m passionate about helping you move with confidence and maintain your independence at every stage of life. I have a special focus on caring for older adults, particularly those recovering from joint replacements, fractures, or navigating more complex medical needs. I take a patient, thoughtful approach to care, spending time helping you understand how your body works and what will support your recovery. My goal is to empower you with knowledge, build trust, and create a personalized plan that helps you reach your goals so you can move better and feel supported every step of the way.”
Medical Education:
MS: Physical Therapy
University of Colorado
Denver, CO
Specialties:
Post-op joint replacements and fractures
Geriatrics
Osteoporosis
Cancer recovery
Complex medical conditions
Cardiopulmonary conditions
Personal Interests: Outdoor recreation is my passion! I am a professional mountain bike instructor and telemark skier who loves the backcountry. I also enjoy camping, hiking, floating in the river, attending concerts, and disc golf.
In practice since 1990
“My path to physical therapy was inspired early on, and I’ve always been drawn to helping people move and feel better. I believe understanding what’s happening in your body is an important part of healing, so I focus on explaining your condition and the evidence-based options available to you. In many cases, I work with you to build the skills and confidence to manage symptoms through thoughtful movement and lifestyle changes. My goal is to guide and support you, so you can take an active role in improving your health and long-term well-being.”
Medical Education:
BS: Physical Therapy
Northeastern University
Boston, MA
Specialties:
Persistent pain management
Functional movement screening
Ergonomic evaluation and injury prevention
Personal Interests: Pursuing outdoor adventures, travel, photography, cooking, reading history and science, and cheering on the Red Sox.
In practice since 1999
“I’m passionate about helping you move better and perform at your best, whether you’re recovering from an injury or working to stay active long term. With decades of experience, I provide hands-on physical therapy and take a whole-body approach to care—looking beyond where you feel pain to understand how your overall biomechanics may be contributing. My goal is to help you overcome physical limitations, restore movement, build strength, and help you return to the activities you care about most.”
Medical Education:
MS: Physical Therapy
Regis University
Denver, CO
Specialties:
Dry needling
Post-op knees and shoulders
Functional Capacity Evaluations (FCEs) for workers’ compensation impairment ratings
Personal Interests: Pursuing outdoor adventures, travel, reading history and science, hunting, fishing, fitness, and cheering on the Broncos.
In practice since 2023
“Growing up in Glenwood Springs and living an active Colorado lifestyle shaped how I approach physical therapy. As a former Division I ice hockey player and professional athlete, I understand how important movement, performance, and recovery are to everyday life. I work with you to not only recover from injury but also improve how your body moves so you can prevent future setbacks. Whether you’re suffering from dizziness, imbalance, spine-related pain, or working toward peak performance, my focus is on treating the whole body—so you can stay active, confident, and doing what you love.”
Medical Education:
DPT: Northeastern University
Boston, MA
Specialties:
Vertigo, dizziness, and imbalance
GOATA biomechanics, performance optimization, and gait training
Certifications & Training:
American Board of Functional Neurology and Vestibular Rehabilitation
Federation of State Boards of Physical Therapy (Colorado & Hawaii)
McKenzie Method® of Mechanical Diagnosis and Therapy (MDT) – Part A
GOATA® Coach – biomechanics, performance optimization, and injury prevention – Level II
Carrick Institute – advanced neurological and vestibular rehabilitation
Personal Interests: Spending time with my family and animals, enjoying the outdoors, traveling, and life on our family ranch.
In practice since 1976
“Caring for women through every stage of life has been the focus of my career and a commitment I’ve carried with me throughout my years in this community. I understand how health needs evolve, and I value the opportunity to support you with both the perspective gained through experience and the ongoing advances in women’s health care. My goal is for you to feel informed, supported, and confident in the care you receive—today and in every phase of life.”
Medical Education:
MD: University of Florida College of Medicine
Gainesville, FL
Residency:
Maricopa County General Hospital
Phoenix, AZ
Board Certification:
American Board of Obstetrics and Gynecology
Affiliations:
American College of Obstetrics and Gynecology
Colorado Medical Society
Mt. Sopris Medical Society
Valley View Hospital Medical Staff
Personal Interests: Biking, skiing, traveling, and spending time with grandkids.
In practice since 2019
“I specialize in Mohs surgery, the most effective and precise treatment for many skin cancers. My goal is to provide expert care while also helping you feel informed, comfortable, and supported throughout the process. Living at high altitude poses unique sun-exposure risks, so I believe education and prevention are just as important as treatment. Clear communication, mutual trust, and compassion guide my approach, so you can feel confident you’re receiving both exceptional care and thoughtful attention every step of the way.”
Medical Education:
MD: University of Michigan Medical School
Ann Arbor, MI
Residency:
Dermatology
SUNY Downstate Medical Center
Brooklyn, NY
Board Certifications:
American Board of Dermatology
Mohs Micrographic Dermatologic Surgery
Affiliations:
American Society for Dermatologic Surgery
American College of Mohs Surgery
The Skin Cancer Foundation
Fellowship:
Cosmetic Dermatologic Surgery Fellowship
ASDS (American Society for Dermatologic Surgery)
Hollywood Dermatology
Hollywood, FL
ACGME (Accreditation Council for Graduate Medical Education)
Micrographic Surgery and Dermatologic Oncology
The Skin Institute of South Florida
Coral Springs, FL
Personal Interests: Hiking, skiing and spending time with family and friends.
In practice since 2017
“Your skin reflects both your health and your lifestyle, and my goal is to help you care for it with confidence and clarity. I provide medical dermatology, and I believe patients should feel informed and comfortable taking an active role in their skin care. I encourage regular self–skin exams and want you to come in anytime you notice something new, changing, or simply want your skin to look and feel its best. Whether you need reassurance, treatment, or guidance on prevention, I’d much rather see you early and give you peace of mind than have you wait and worry.”
Medical Education:
MD: University of Arizona
Tucson, AZ
Residency:
Dermatology
Mayo Clinic
Rochester, MN
Board Certification:
American Board of Dermatology
Affiliations:
American Academy of Dermatology,
O’Leary Society
American Medical Association
Personal Interests: Spending time with family, reading, cooking, numerous outdoor sports, and traveling.
