Payment and Insurance
We collect payment at the time of services. We expect payment in full. We accept cash, check, credit card, and PayPal. We will give you a receipt, also known as a superbill, which you may submit to your insurance company for reimbursement for the office visit. Most insurance companies will reimburse you at your out-of-network rate, unless you have an HMO. Some lab tests can be run through your insurance, but most functional medicine labs will need to be paid for at the time they are ordered.
We are not contracted with any HMOs.
If you have an HMO, we are happy to see you, but you will need to pay out of pocket for all services.
If you have a PPO, your provider would reimburse you more if we were on their list of preferred providers. For example, they would reimburse you at 85% of office charges if we were on their list, but only 50% if I am not. (Numbers used for illustration purposes only). I am not a preferred provider with any insurance companies.
Please check with your insurance company to find out how their process works. You are responsible for knowing what they cover, what they don't cover and how to submit your charges for reimbursement. Most plans have a form that you will need to submit with the superbill that we will give you. Insurance is very complicated and it is important to be an informed consumer.
We have chosen to opt out of Medicare. This means that we cannot bill Medicare for anything, anytime, ever, and that you cannot request that Medicare reimburse you for our services. If you have Medicare and receive our services, you will be personally responsible for 100% of the charges. We will need you to sign a contract agreeing to this. In addition, if you have a secondary insurance, they will not pay. The way the system is set up, secondaries will only pay after Medicare has paid their share. Since we are not billing Medicare, secondaries refuse to pay at all as well. Medicare may pay for some of your lab testing.