Clinic Updates - Out of Network with Premera, LifeWise and Aetna Insurance

Active Points Wellness no longer contracted with Premera, Lifewise, Aetna and Premera Insurance.

Active Points Wellness still accepts Regence, HMA, and certain BCBS policies, but is no longer contracted with Premera, Lifewise, Aetna, and Premera Insurance.

Patients need to know that numerous plans provide 'out-of-network' benefits for acupuncture and holistic care. The billing process for these insurance providers will be different. You can continue to receive treatment at our clinic, but the way you access and use your insurance benefits might change.

Patients with Premera, Lifewise, Aetna or Premera Insurance may still use out-of-network benefits for acupuncture treatments. Although in-network rates aren't available, your plan might cover part of the expenses. Contact your insurance provider to understand out-of-network benefits, including deductibles and reimbursement procedures.

Understanding these benefits is crucial to managing treatment costs. Many plans offer coverage for out-of-network services. Gather information about your policy and acupuncture benefits to maximize coverage. Our clinic staff is ready to help with documentation and claims support.

Review the information on out-of-network benefits to ensure maximum reimbursement and learn how to submit claims effectively. We appreciate your understanding and remain dedicated to providing exceptional care during this transition.

Understanding Out-of-Network Insurance: What You Need to Know

Out-of-network insurance refers to health insurance policies that provide coverage for services rendered by healthcare providers who do not have a contract with the insurance company. Here’s a more detailed exploration of this topic:

Understanding Out-of-Network Benefits

Out-of-network providers are those who do not have a formal agreement with your insurance company. While this may sometimes mean higher out-of-pocket costs, it also opens up a world of possibilities for personalized care and specialized services that may better meet your needs.

Considerations for Out-of-Network Insurance

• Cost Awareness: While patients may encounter higher deductibles and co-payments when choosing out-of-network services, it's important to view this as an investment in your health and well-being.

• Understanding Balance Billing: Patients might receive a bill for the difference between what the insurance pays and what the provider charges. This can be an opportunity to discuss payment options with your provider.

• Coverage Insights: Some plans may have specific provisions for out-of-network services. It's worth exploring these options to maximize your healthcare experience.

• Pre-authorization Benefits: Certain out-of-network services may require pre-authorization. This step can help ensure that you receive the best possible coverage for your needs.

Advantages of Out-of-Network Coverage

• Expanded Choices: Patients appreciate the flexibility to select any provider, which is especially beneficial when pursuing specialized care suited to their specific health needs. This is particularly relevant for acupuncture benefits, as in-network insurance often offers limited provider options.

• Access to Specialists: Out-of-network options may provide access to specialists who are not available within your network, allowing you to receive the expert care you deserve.

Tips for Managing Out-of-Network Costs

• Review Your Plan: Take the time to understand your insurance policy and its out-of-network benefits. Knowledge is empowering and can help you make informed choices.

• Discuss Costs: Many providers are open to discussing and negotiating prices for out-of-network patients, making it easier to find an arrangement that works for you.

• Claim Submissions: If you use out-of-network services, you may need to submit claims for reimbursement. This process can help you recoup some of your expenses, enhancing the value of your care.

In Summary

While navigating out-of-network insurance can seem daunting, it also presents an opportunity to explore a wider range of healthcare options. By understanding your policy and the benefits available, you can make informed decisions that prioritize your health and well-being. Embrace the chance to connect with providers who align with your healthcare goals!

Visit our website for a complete list of In-Network Insurance currently accepted at Active Points Wellness.

Acupuncture Office Hours

• Mondays - 8 AM to 5 PM (*New*)

• Tuesdays - 8 AM to 5 PM

• Wednesdays - 8 AM to 5 PM

• Thursdays - 8 AM to 4 PM

• Fridays - CLOSED

Active Points Wellness - Online Scheduling

Please use the online scheduling system to book, change and manage your acupuncture treatments. Visit the Patient Portal to access your account.