INSURANCE

Do You Take My Insurance?

A word from Dr. Bell on why our office no longer accepts insurance.

Dear Patients,

In effort to provide the best and most effective patient care possible, I have made the decision to not haggle with health insurance companies over the care my patients deserve.

This allows time for true one-on-one care, where we can update the plan as needed without prior approval. That means if your primary complaint Day 1 is neck pain, but you sprain your ankle on Day 3, we can quickly shift gears and treat you for what you actually need same day.

My practice prioritizes open communication and helping patients identify and reach real life goals; over constant 0-10 pain scale reports and cookie cutter treatment plans. This means (within reason) you have access to me for questions and updates full time.

All that said Invoices and other documentation for patient filed “Out of Network” insurance reimbursement claims are available upon request. All credit cards, HSA, FSA, and apple pay accepted. For more information on pricing please see our Services page.

Harmony Bell, DC

Out of Network Reimbursement

Simply put an Out of Network provider has not signed a contract with your insurance company agreeing to a discounted price of service. There are many reasons that a provider may not be in network, but the most common is to avoid haggling with insurance over the price of their service.

• Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs) tend to NOT not cover Out of Network services.

• Preferred Provider Organizations (PPOs) and Point of Service Plans (POS) cover both In and Out of Network providers.

Many health insurance policies will allow full or partial patient reimbursement for services rendered with an Out of Network Provider. The amount depends on your individual policy and deductible. Often the first step in this process is to acquire documentation from your health care provider.

There are many names for the documentation required to file an Out of Network Claim: Superbill, Invoice, Receipt, Bill of Services… but they will all include a coded list of services rendered and information about your health care provider. Most insurance companies will have an online portal to submit claims for reimbursement. While this process can at times be tedious, it is best to file a claim as soon as possible to make sure your plan will provide a reimbursement.

While your provider may or may not be able to assist you with your filing due to a vast number of policies on the market, there are currently Online Services that offer help with out of network claims for a small fee.

Questions?

Check out out Frequently Asked Questions page for more information.