FAQs and Testimomials

Frequently Asked Questions

Always call 911 with any life-threatening emergency. For any non urgent matters call the office during business hours, 8:00 a.m. to 4:30 p.m., Monday through Friday, with any urgent matters. For any urgent matters outide regular office hours, please call (847) 427-2100 and our answering service will take your message.

Again, for any life-threatening emergencies, at any time, call 911.
Dr. Karam is contracted with most major insurance company plans. This includes, but is not limited to, Aetna, BCBS, CIGNA, Humana, Medicare, Medicare Replacement Plans and United Healthcare. It is always advisable to verify with your insurance company before making an appointment.
If you have a question about your bill you should call our billing service. They will want your name, date of birth and the date of service you're inquiring about.

Professional Billing Analysis
(847) 515-8131
All copays, past-due balances, and non-covered service fees are due at the time of your visit. We are required by our insurance contracts to collect copays at the time of your visit. We accept cash, check, Discover, Master Card and Visa. As a courtesy to you, our billing service, Professional Billing Analysis (PBA) will submit claims to your insurance company. Once your claim has been processed you will receive a monthly account balance statement showing any patient responsibility. Payment in full is then expected. If you need to set up a payment arrangement please speak with the office manager.
Call the office at (847) 427-2100 to schedule an appointment. We do not accept walk-in appointments. At initial contact with our office you will be asked to provide us with some basic information. We ask that you arrive on time for your appointment and new patients should plan to arrive 10-15 minutes early. If you are running late or are unable to keep your appointment please call us. Patients more than 10 minutes late may be asked to reschedule.
We receive most test results within 2 business days. It is our policy to notify all our patients regarding their test results. This includes providing you with education about your normal and abnormal (if any) test results. We feel it is very important that you are proactive in your own healthcare. If you have not heard from us within 5 days from your lab draw please call our office.

For those patients who are on Patient Portal, once an office staff member has notified you of your lab results and any further recommendations from Dr. Karam, your results will be posted to the Patient Portal. You will receive an email informing you that results are ready for your review.
Many insurance companies require prior authorization for special testing or prior to seeing a specialist. Often insurance companies require that a patient first see his/her Primary Care Provider (PCP) to initiate a referral/prior authorization request for a new condition or recurrence of a condition for which you have never received a referral. Once a referral/prior authorization request has been initiated it may take up to 5 business days to process with your insurance company. Once your referral/prior authorization has been approved or denied, you will be notified. You should continually familiarize yourself with the requirements of your particular insurance as their policies often change.
Refills may be requested by calling your pharmacy directly, by sending a request through the Patient Portal or by calling our office during regular business hours. Please try to anticipate your refill needs by planning ahead so you do not run out of your medication. It is necessary to allow 48 hours to complete your refill request. As the physician does not have your chart available after hours, routine refills will not be processed until the next business day. If you are due for an office visit with Dr. Karam, a 30 day supply may be authorized to carry you until you can be seen in our office. It is important that you bring in all you medications or a complete list of them to each appointment.
If Dr. Karam gives you an order for a particular facility, you may call that facility directly to schedule your testing appointment. Most orders can be taken to Northwest Community Hospital  at (847) 618-1000. As with any medical service check with your insurance for any restrictions there may be on your plan.
Take the samples following Dr. Karam's instructions. When you are almost out of sample medication, please contact the office at (847) 427-2100. Please let us know how the sample medication is working for you and if there are any concerns or side effects regarding the medication. We will then discuss the matter with Dr. Karam and follow up with you with further instructions. You can also send a message through the Patient Portal if you have been web-enabled during a previous visit.


I would not trade him for all the tea in China!

I was very ill and in the hospital, my previous doctor moved and I had no doctor. Dr. Karam was my doctor in the hospital and was so caring and nice he became my doctor when I left the hospital and I would not trade him for all the tea in China!

— P.K.

All the time you need.

Although I had to wait a bit, I realized why that was. He gives you all the time you need to tell your medical issues to him. His staff is excellent and appear to actually enjoy what they do. I really feel that I can trust him to be watchful over my care.

— Vitals.com

He Truly Cares

He's probably the only doctor I've ever been to who allowed me to voice my concerns while listening compassionately. His bed side manner is outstanding and he truly cares for your well-being, above all. Highly recommended.

— Vitals.com

I Felt Heard

Dr. Karam is so kind, thoughtful, and patient. He took his time with me and I really felt listened to. He didn’t just prescribe a pill. He though outside of the box with options, and his opinion on what would work best for me, specifically. I felt “HEARD” and that is rare these days. Office is clean, staff is very friendly and thorough, and I love that all lab results and appointments are posted online for you.

— Vitals.com

Best Doctor

Best doctor I've ever had, hands down! He takes the time he needs with a patient, listens well, has an amazing sense of humor, and cooperates with other health care professionals. I'd recommend him with no reservations.

— Ratemds.com

Kindest Doctor

Dr. Karam has to be the kindest doctor I've even encountered. He actually cares about his patients. I would recommend him to anyone.

— Ratemds.com