Insurance FAQ
We are excited to announce that Nava Health now accepts most major insurances and we will be able to process certain services through your health insurance. By accepting most major insurance plans, Nava will be able to provide greater access, diagnosis and treatment to more patients at lower cost.
Here are some frequently asked questions about our insurance changes.
Co-Pay– a fixed dollar amount that is paid each time you have an appointment with a medical practitioner.
Co-insurance– is paid for services if you have met your deductible. The actual dollar amount varies based on insurance plan; typically, it is a percentage of a medical cost that the insured pays, with the rest being billed to insurance.
Deductible– a specified amount of money that the insured must pay before an insurance company will pay a claim.
In-Network– a provider contracted with an insurance company to provide medical care to its members.
Out-of-Network– a provider NOT contracted with an insurance company to provide medical care to its members.
Patient Responsibility – is the portion of a medical bill that the client is required to pay rather than their insurance provider.
This was something we explored each year. Functional Medicine has shifted and more of what we do is being recognized by health insurances. Now that more services are being covered, reimbursements are processed in a more timely manner.
Based on your eligibility, the following services can be processed through insurance:
- Doctor’s Appointments
- Nurse Practitioner/Physician Assistant Appointments
- Telehealth Appointments
- IV Micronutrient Therapy (Certain ingredients may require out-of-pocket cost not covered by insurance)
- Diagnostic Testing
Some insurance plans will cover more than others. The good news is that most insurance plans are covering more and more functional and preventative medicine, or “Root Cause” medicine, than ever before. While some services and treatments are still considered elective, we are optimistic that over time insurance companies will recognize how important they are to their members.
A credit card on file is required for any patient responsibility for services/products that you receive. Co-payments and deductibles are due at the time of service.
Once you have met deductible and depending on coverage, a co-insurance could be billed after date of service. Balances of $300 or less will be charged to the credit card on file.
If Nava accepts your insurance, Nava will process that claim for service to your insurance provider. Based on your insurance coverage, the claim will be processed according to the terms of your policy.
When you book your appointment, we will take your insurance information and verify benefits.
You can elect to pay cash for all services if you sign a “Patients Election to Self Pay Form”.
We will conduct a benefits verification and can inform you of any co-pay and/or estimated deductible remaining. Or, refer to the terms of your health insurance policy.
Yes
Memberships are now even more valuable as membership credits can be used to offset the cost of co-pays and deductibles.
If Nava accepts your insurance, in almost all cases cost for Nava services will be less expensive.
Nava was not contracted with insurance companies prior to September 13th 2021. Therefore, we will not be able to submit claims for you prior to that date. However, we can provide you with documentation to submit for insurance reimbursement for dates prior to when Nava was credentialed.