1. How can I make an appointment?

Please call our office at 847-818-7700 to make an appointment.

2. Where are you located?

Our office is conveniently located at 135 North Arlington Heights  Road, Suite 160, Buffalo Grove, IL 60089

3. What forms do I need to fill out?

Click here for a list of our forms. Our receptionist can let you know which forms you’ll need to print out and fill out for your first appointment. If you don’t have a printer, please come 15 minutes early to your appointment so you can fill out the paperwork in our office.

4. Do you accept my insurance?

As of March 01, 2022, the office accepts the following insurances: Traditional Medicare + any Commercial insurance as a supplemental and BCBS PPO. Every time insurance information changes, you have to email the front and back of your insurance card 2 business days in advance prior to any services to This email address is being protected from spambots. You need JavaScript enabled to view it. 

5. What if I don’t have insurance?

Your Personal Doctor will evaluate and treat your condition regardless of insurance. Payment for services is the patient’s responsibility. For patients without insurance, an upfront payment will be required before seeing the physician.

The medical service price list  is here

6. What is health insurance? Will my insurance cover my services/procedures? Will I get a bill for my services/procedures?

Please read more about health insurance:

It is your responsibility to understand your insurance benefits. Your insurance company will send you an Explanation of Benefits explaining how your bill was paid and any amount you are responsible for. Deductibles, co-insurance, and co-payments may apply according to your insurance policy. By law, you are responsible for these amounts as well as any non-covered services listed in your policy.

7.  How do I know if the medical service/medication is covered?

During the office visit, you get an order for tests and/or a prescription for medications. Orders/prescriptions have diagnoses. You should contact your insurance before service is rendered.  The easiest way to find out if a service is covered is to contact your insurance company directly. They will be able to look up your plan and tell you what services are covered based on diagnoses, as well as any copays or deductibles that may apply. Medical Providers provide recommendations for services/medications regardless of coverage at 'the best effort'. 

8. What are “in-network” and “out-of-network” providers?

In-network providers are providers who are contracted with your specific insurance plan. When providers are contracted with your plan, the benefits from the insurance company are much greater than if the provider is not contracted (out-of-network) with your plan. The patient's responsibility is to check with the insurance if the office and referral entities are in or out of the network before any services.

9. When will I receive a statement?

If you have health insurance, you may receive a statement from Olga Zarkh, MD, Your Personal Doctor. Here are the steps to validate the statement. Contact your insurance company for an explanation of benefits (EOB) where you see how insurance processes the claims. If the statement and EOB match up, please pay your portion. If there is a discrepancy between the EOB and the statement, please contact billing at This email address is being protected from spambots. You need JavaScript enabled to view it. for further work.

10. What forms of payment can I use?

The preferable payment method is 'Zelle' from your bank to This email address is being protected from spambots. You need JavaScript enabled to view it.  vs credit cards to save money on the bank transaction fee. Your Personal Doctor accepts cash, debit card, and credit card payments (MasterCard, Visa, AMEX, and Discover). You can pay by phone with a debit/credit card or quick pay to This email address is being protected from spambots. You need JavaScript enabled to view it.. You can also pay your bill online.

11. How to get medical supplies or orders for tests?

The patient has to obtain a provider order during an office or virtual visit. Orders are to be a part of the provider note and be medically necessary. Some insurance companies require additional documentation, forms, specialist's orders, etc. Specialist's orders/notes are to be sent to our office directly from a doctor's office or by a patient.

12. How can I refill a prescription?

You should contact your pharmacy where the last prescription was obtained and ask for refills. We expect an electronic request from a pharmacy. The provider decides to get a prescription refilled or a patient needs a virtual or office visit. New prescription orders require a doctor's visit.

13. I have questions for to doctor or nurse practitioner

All questions are to be addressed only during virtual/office visits.

14. I need a doctor to fill out some forms or do the work outside of insurance coverage.

Review forms outside of the health care insurance coverage are out-of-pocket expenses. The price is here:

The price is per attempt. Work on the form does not guarantee approval or signature.

The forms are to be emailed to the office at This email address is being protected from spambots. You need JavaScript enabled to view it. to estimate the scope of work.

15. I have a prescription or tests that is not covered or needs preauthorization.

Medical providers always prescribe medication based on medical necessity with an option for substitution (see a financial policy).  Ask a pharmacist to fill a medication that meets your health and financial needs. Another option is to ask a pharmacist to provide a cost-effective solution based on your preferences and insurance and send us a change of medication electronically by e-scripts (it could be a fee associated with a medication change). Please be aware that some preauthorization requests can not be done successfully because of insurance constraints. The Office will make a reasonable effort to make an Rx substitution (a fee could be applied).

We have logically created 3 categories for Rx preauthorization:

a. High chance getting preauthorization approved (preauthorization must be sent to our EMR by insurance or pharmacy, all required information must be available in the EMR, free of charge for patients).

b. Low chance ( 50% or less)  getting preauthorization approved (physical/virtual visit with Nurse Practioner needed, fee applied).

c. Little chance getting preauthorization approved (10% or less). (physical/virtual visit with Nurse Practioner needed, fee applied, only applicable  if the patient requests the service)

Medication approval is up to an insurance


Advance tests such as CT/MRI preauthorization process:

2 categories for tests preauthorization:

a. High chance getting preauthorization approved (preauthorization must be done electronically at the insurance company website / the office got to received credentials from an insurance company to login on, all required information/questionaries must be available in the EMR, free of charge for patients).

b. Low chance of getting test approval electronically or need advance skills to increase the chance of approval (physical/virtual visit with NP Nurse Practitioner needed, fee applied).

Approval is up to an insurance company.


16. What is a doctor's visit? 

A doctor's visit is a meeting between a patient with a health provider to get health advice or a treatment plan for a symptom or condition. The visit has a start and end time. 

Visit time includes all activities (both face-to-face and non-face-to-face) related to the encounter performed by the physician or QHP on the date of the encounter. This includes activities such as reviewing external notes/tests/etc

17. I changed my insurance. What's the next step?

A patient should send a new insurance card (front and back) 2 business days before any services at the office to This email address is being protected from spambots. You need JavaScript enabled to view it.

18. What if I get a statement that is a year old? 

The Illinois statute of Limitations is 5 years for oral contracts and 10 years for written agreements.

19. Changes. What should I know?

In many cases, the patients make changes (such as but not limited to canceling appointments, seeing other doctors, getting additional tests, altering medications etc) as such please consider changes in relationship with a plan of care.

20. How to make an urgent appointment?

Please call us at 8478187700 ext 2 during normal business hours. The medical assistant will collect information to share with Dr to decide the next step. Call the doctor's cell during off hours. Telemedicine with a Nurse practitioner is available within 24/48 hours on Monday-Saturday excluding holidays.(fees can apply)


If you don’t see your question answered here, please call us. We’re here to help! Call 847-818-7700.

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