Insurance & Fees


Our providers are in-network with the following insurance plans:

Ambetter (Coordinated Care)

Anthem

Blue Cross Blue Shield of Washington

First Choice Health

Humana 
Kaiser (Access PPO plans only)

Lifewise

Premera

Regence

 

Your insurance is an agreement between you and your insurance company.   Unfortunately, we cannot guarantee if your insurance covers naturopathic care, and coverage varies from one policy to another. Please call your insurance company and make sure you understand what the benefits of your insurance plan are.

 

We will bill your insurance company for the service(s) you receive. You are responsible for copays, co-insurance and deductibles. Insurance does not always cover all office visit charges or laboratory charges.

Our providers are out-of-network for the following insurance plans:

Aetna

Cigna

BlueCard plans (out of state Blue Cross Blue Shield plans)

United Health Care

Molina Health

Kaiser (HMO, Core, Foundation Plans)

 

Many insurance companies will reimburse you for some portion of the cost for you to see out-of-network providers depending on your plan. For out of network services, you will pay at the time of service and we can provide you with a superbill to submit to your insurance for reimbursement.

All patients are responsible for payment of co pays, deductibles, co-insurance and non-covered services.

 

Flex Plans/ Medical Savings Account/ Health Savings Accounts

Please inform us if you have a Health Savings Account, sometimes known as a Flex Plan or Medical Savings Account.  All naturopathic medical care, including co-pays, deductibles, co-insurance, lab, and prescribed supplements can be paid with funds from your Flex Plan/MSA/HSA. 

 

Secondary Insurance

Please inform us of any secondary insurance you may have.

 

Patients without Insurance

For patients without insurance, payment for your visit is based on the complexity (determined by the provider) and ranges from $150-$400 for first office visits and $100-$350 for follow-up visits with a 15% courtesy discount that we provide to all patients paying out of pocket.  Payment for your visit is due at the time of service.  We accept cash, check, HSA cards or credit card. 

 

Rescheduling & Cancellation

We charge 100% of the visit fee for missed or no show visits and $100 for those not cancelled within 24 business hours of the scheduled appointment time. This fee is not billable to insurance. Please respect this policy as missed appointments take the provider's time away from seeing other patients in need.

Supplements

Supplements are an extra cost and are not included in the visit fees and not covered by insurance. Supplements are tax-free when prescribed by our physicians. You may use HSA/MSA/Flex Plans to pay for your supplements.

 

Labs

Our providers utilize conventional and specialty lab tests. In general, billing for labs is a contract between your insurance company and the labs, not our providers. Many lab tests are covered by insurance, but some specialty tests are not. If you have questions about coverage, you can speak to your insurance company. Out of pocket costs for labs can be paid through HSA/MSA/Flex Plans when not covered.

Questions to Ask Your Insurance Company

Understand what your coverage is for office visits with naturopathic doctors. You can ask if the provider you wish to see is in-network with your insurance company or if you have out-of-network benefits if the providers are not in-network with your plan. Understand your annual deductible and whether or not you have met this for the year.