Forms of Payment and Insurance – FAQs
It depends on your insurance plan. The best success we have seen is with insurance plans that include a yearly stipend for alternative health care to be used at the subscriber’s discretion. These stipends are intended to cover health related therapies such as colon hydrotherapy, nutrition counseling, and massage.
Some folks are provided by their company with something called a “Flex Spending” account. Though not insurance, these accounts let you put aside pre-tax dollars from your income to spend as you like towards your health. This is a good use for those dollars and equates to almost a 20% discount! The Flex Spending account must be used by the end of the year or you lose the money. Be sure to check with your employer to see if you have access to a Flex Spending account.
Additionally we have seen success in insurance covering colon hydrotherapy when it is specifically prescribed as “medically necessary” by a referring ND or MD.
Please be aware, however, that the Tummy Temple does not submit insurance claims to insurance companies. We leave that to you, the subscriber. Upon request, we will provide you with receipts, procedure codes and chart notes for you to use in the submission process.
ASSUME you will be reimbursed and ask “How do I get reimbursed for receiving this procedure?”. From experience we have found that getting a diagnosis code from a doctor as part of a referral or prescription for this service puts you in the best place possible. If you need a referral to a colonic-friendly doctor please let us know.
- Contact your insurance company as ask them HOW do I (not CAN I) get reimbursed for procedure code [CPT]____? Use the CPT code vs. a description of the service as many call center operators will not know the service or how to look up the CPT code.
- Once you get the affirmative that it will be covered ask for it in writing (email is fine). Often times you will not get it in writing. Ask for the operators name, location and reference number for the call. Make sure to repeat back your understanding of what you need to do to get reimbursement.
- If you did not get an affirmative response, it is okay to hang up and call back. You will get another operator and they may answer differently AND/OR you may feel that a different approach will work better. Try it out. There are many examples where it has taken up to 4 calls before a person will get the affirmative response. And, to be fair, your plan may simply not cover the procedure regardless.
- One of the biggest reasons for reimbursement denial (apart from it not being a part of the insurance plan) is that it is not clear why the service was done. For example, the insurance company may believe that the service was simply for relaxation or pleasure.
- If possible, get a diagnosis code from a doctor that lists the CPT code on the same piece of paper as a prescribed or recommended therapy to address the diagnosis. In this way the insurance company can totally relax into knowing that a medically licensed practitioner diagnosed you and that the service presented for reimbursement is relevant.