93% of our patients receive insurance coverage for their visits. If you have health insurance, your sessions will most likely be covered under your plan. See our insurance page for how to verify your coverage with your insurance company.

Some insurance plans have coinsurance, a form of cost-sharing that allows you to split the cost of care between you and your insurance company. Most insurance plans with coinsurance require you to pay a percentage of the cost of care after you’ve met your deductible.

For example, let's say your health insurance plan's allowed amount for an office visit is $100, and your coinsurance is 20%. If you've already met your deductible, then you will owe 20% of $100, or $20, with your insurance company paying the rest. If you have not yet met your deductible, then you will pay the full allowed amount.

Your "allowed amount" is the maximum your insurance plan will pay for a covered healthcare service. The "allowed amount" is also called an "eligible expense," "payment allowance," or "negotiated rate." You may have to pay the difference if your provider charges more than the plan's allowed amount. We will not know your allowed amount until after your claim is processed.

An insurance copay is a contribution made by the patient/policyholder toward the cost of medical treatment or other healthcare services. Many plans cover nutrition counseling as a preventative benefit; if this is the case with your policy, there may be no copay required. Different insurance plans have different copay amounts, and sometimes copay amounts vary depending on the type of healthcare treatment or service. 

If your plan does require a copay, we will bill you after your insurance plan applies it to your claim. This timeframe can range from 1-6 weeks after your session. 

If your insurance changes, please update our team with a copy of your most current insurance card. You can update your information directly in the patient portal. We will bill the insurance on file until you provide us with your most updated information.

A deductible is a form of cost sharing where your insurance company does not start paying for in-network care until you have paid for the deductible amount yourself in full. Let’s say you have a $1,000 deductible; you will pay for your nutrition counseling sessions in full until you have accumulated $1,000 worth of medical charges.

Usually, deductibles reset every year. So if you meet your $1,000 by June, your insurance company will take over payment until the deductible restarts at $1,000 the following January. Once you meet your plan’s deductible, most insurance providers typically only require a copayment or coinsurance for additional covered services up to an out-of-pocket maximum.

If you are paying out of pocket, we will notify you if you’re eligible for reimbursement directly from your insurance company and provide you with all the documentation and details you need to submit a claim. We also offer affordable membership options. 

We do have a limited amount of Medicare coverage, which we are working hard to expand. Contact us at info@culinahealth.com to discuss your Medicare coverage or explore our affordable self-pay membership plans.