Insurance Strategies

We offer the highest quality integrative holistic medical care - without an insurance middleman restricting the type of care, or length of time of your appointment.

Because of this, we are a fee at time of service practice and do not accept insurance at our center.

Following are some tips that some our patient families utilize:

PPO Insurance Plan,Health Care Reimbursement Plan (HCRA) through your employer or Health Savings Account (HSA
At your visit, we will provide you with superbill form to submit to your insurance company for possible reimbursement in accordance with the terms of your plan, or that may count towards your deductible.

Our services may be covered as an out-of-network provider if you belong to a PPO-type insurance plan. Please check with your insurance company regarding the specific percentages of coverage that apply to your particular insurance plan, and with your employer or accountant for details of you HCRA or HSA.

By choosing to bring your child to us, your health insurance needs may change, and you may find it advantageous to proactively change your current plan. See below for strategies and suggestions on how to minimize out-of-pocket expenses to pay for Holistic care, that may even save you money.

Insurance Options

Increasing your health insurance deductible
Many of our families have a Preferred Provider Organization (PPO) health plan.

By increasing your deductible, monthly premiums may be reduced by almost half, resulting in significant annual savings to you. The money saved can then be used to pay for the kind of medical care you desire for you and your family.

Will my PPO insurance reimburse me for my visit?

Usually, yes.  We cannot guarantee reimbursement, but many of our patients with PPO’s tell us their insurance reimburses 50-100% of the amounts we charge for our services, depending on their plan. Most insurers classify us as an “out of network” provider. HMO insurance will not typically cover our services, which is why most of our patients have or obtain PPO health insurance.

Using a Health Care Reimbursement Account (HCRA) to pay for services
As an employee, you may have access to a Health Care Reimbursement Account as part of your benefits package. Such a program lets you set aside a predetermined amount, pre-tax, for use for qualified medical expenses. Individuals may generally direct a maximum of $5000 per year to such an account, but if their spouse is also an employee, then together they may contribute $10,000 (This amount may change yearly – please consult your employer or accountant). Note, however, that you must carefully track your health expenses as the IRS requires that you forfeit any unclaimed money in your HCRA account after the closing date of the plan year.

Using a Health Savings Account (HSA)
A Health Savings Account is a combination of tax favored savings account and a qualified high deductible health insurance policy. To qualify you must have an approved plan with at least a $1000 deductible for an individual or $2000 deductible for your family. Each year you and/or your employer can contribute enough to cover 100% of your deductible (up to a maximum of $5000 for an individual or $10,000 for a family, depending on the amount of your deductible – please check with your accountant as these totals may change year to year). As with a Health Care Reimbursement Account, the money goes in before taxes (or is tax deductible), but unlike an HCRA, accrues interest tax free, rolls over to the next year, and is never taxed if used for qualified medical expenses!

What if I have an HMO?
While a HMO will not reimburse for our visits, co-pays for many HMO’s range from $15-$90 per visit, and some now have a $600 deductible. If you are pursuing holistic health for your family, visits to our practice may not cost much more than your co-pays, and you can receive the kind of medical care you want for your family.