Insurance & Billing FAQs

We are in-network with most major insurances including Blue Cross Blue Shield, Anthem Blue Cross Blue Shield, UMR, United Healthcare, Oxford, Aetna, Meritain, Cigna, Medicare, and the subsidiaries of these companies. We currently do not accept HMO plans. If you have questions about whether we are in-network, please visit our Am I Covered page.

Most of our clients are covered at 100% or have a small copay or co-insurance. If you have questions about your coverage, you can call the member services number on the back of your insurance card and inquire about your coverage for medical nutritional therapy.

Yes, we accept all BCBS affiliated plans that are non-HMO’s. If you would like more detail on whether we accept your insurance, please visit our Am I Covered page.

Yes, we accept all United Healthcare affiliated plans that are non-HMO’s.

Note, we currently do not accept UHC -Core, Navigate, or Chater plans.

If you would like more detail on whether we accept your insurance, please visit our Am I Covered page.

Most plans cover nutritional counseling at 100%, or with a small copay or co-insurance. In some cases, plans may require a deductible, co-insurance, or out of pocket cost. We also offer self-pay pricing for $156 per session.

Yes, we do accept Medicare for nutrition counseling! Medicare will cover 3 visits in year one, and 2 visits in year two+ with an official diagnosis of diabetes, or kidney disease for medical nutrition therapy. Unfortunately, other conditions, including pre-diabetes are not covered.

Yes, you can use your HSA or FSA to completely pay for your appointments or for any deductible, copay, or co-insurance amount that you might have.

Most of our patients have their sessions covered by their insurance, there are no other fees associated with using our services. Patients are responsible for any copay, co-insurance, or deductible amounts that are determined by your insurance carrier.

You can update your insurance information in your patient portal by logging in and adding a new insurance policy as well as uploading a photo of the front and back of your new insurance card. Please also send an email to frontdesk@healthloftco.com to let our team members know your insurance is changing. We will let you know if we are in network with your new plan once we are made aware of this update.

We require a credit card on file for all patients, including those covered at 100%, as a standard administrative practice. This allows our company to streamline all of our billing practices and ensure smooth operations in the event of late cancellations (less than 24 hours prior to an appointment), no shows, insurance copays, and other insurance out of pocket costs.

Your information is securely stored in your file and will only be used if absolutely necessary. Additionally, you will be alerted before any charges are run.

Self-pay appointments will be charged 48 hours after your appointment has occurred.

For your initial session, those with insurance that have a copay, co-insurance, or deductible, we will send you an invoice once your insurance claim is processed (Usually this takes 2-3 weeks). After receiving your invoice, we will auto-charge the card on file 7 days later.

For follow up appointments, we will auto-charge the card on file, once your claim has been returned from insurance and processed.

We currently do not accept Medicaid plans at this time. However, we do offer self-pay appointments which are $156 per visit.

For most insurance plans we take, preauthorization is not needed. However, if it is required by your plan, our billing team will work with you to complete this documentation.

We allow rescheduling of appointments through our front office or online through your patient portal up to 24 hours before your visit. For visits that are canceled or rescheduled with less than 24 hours notice, a $100 late cancellation fee will apply.

We currently do not offer financial assistance at this time. Most patients appointments are covered and if you have questions regarding your coverage, we recommend that you contact our office regarding your in-network status.

The amount of sessions covered is dependent on your insurance plan and policy. Most of our patients do not have any visit limits. If you want to verify your benefits, prior to your appointment, you can call the member services number on the back of your insurance card and inquire about your coverage for medical nutritional therapy.

Referral or prior authorization requirements depend on your insurance provider and policy. The majority of our clients, except those with Medicare, typically do not require a referral or prior authorization.

Medicare clients will require a referral from their doctor, and a diagnosis of either chronic kidney disease or type 1 or 2 diabetes for coverage. If it is determined that you need prior authorization or a referral, we will send you an email.