Health insurance is a contract between the patient and their insurance carrier. The insurance policy lists a package of medical benefits such as treatment services, tests, office visits and therapies. The insurance company agrees to cover the cost of certain benefits listed in your policy. These are your covered services.
Your policy also lists the kinds of services that are not covered by your insurance company. These are your exclusions. You must pay for any uncovered medical care that you receive. Keep in mind that a medical necessity is not the same as a medical benefit. A medical necessity is something that your doctor has decided is necessary. A medical benefit is something that your insurance plan has agreed to cover. In some cases, your doctor might decide that you need medical care that is not covered by your insurance policy. Insurance companies determine what tests, therapies and services they will cover. Your insurance company’s choices may mean that the test, therapy or service you need isn’t covered by your policy.
By understanding your insurance coverage, you can help your doctor recommend care that is covered in your plan. Federal Way Naturopathy will try to be familiar with your insurance coverage so we can provide you with covered care. However, there are so many different insurance plans that it’s not possible for your doctor to know the specific details of each plan.
Some services, tests or therapies recommended by your provider may not be covered by your insurance policy. When you have a test or treatment that isn’t covered, your insurance company won’t pay the bill. You can still obtain the treatment your doctor recommended, but you will have to pay for it yourself. Claims may not be resubmitted with different codes if they have been denied for lack of coverage.
It is the policy of Federal Way Naturopathy to collect all payments or insurance information at the time services are rendered. For your convenience, we accept cash, check, Visa or MasterCard.
We will submit your insurance claims directly to any insurance your doctor is contracted with, provided the information we have obtained from you is accurate and complete, however the patient assumes responsibility for all unpaid balances, co-payments, and deductibles due, as well as any non-covered service by the insurance company, including cost of collection. It is the patient’s responsibility to provide the most current insurance information to our office at the time services are rendered. A rebilling charge of $5.00 may be added if claims need to be resubmitted to the correct insurance company.
It is your responsibility to know the limits and exclusions to your insurance coverage.
VIRTUAL & DIGITAL VISITS: We are happy to offer you the option of a virtual and/or digital health visit from the comfort of your own home. These visits are billable, please ask for our complete virtual health visit policy letter for more information.
AUTOMOBILE ACCIDENT PATIENTS: We do treat automobile accident patients, and we will bill the patient’s insurance only. We are unable to monitor long term accounts and we will not accept a letter of protection from an attorney as a guarantee of payment or third party insurance payments.
WORK RELATED ACCIDENTS: Federal Way Naturopathy does not accept L&I claims. Contact your case manager to find an in-network provider.
DISPENSARY: All dispensary products will be paid for at the time of pickup. If products are mailed, a Visa or MasterCard number will be required for billing. Shipping and handling charges will be added to the bill.
SELF-PAY PATIENTS: If you have no insurance coverage for our services, we offer a 20% discount on office visits and procedures. Payment in full is due at the time of service.
RETURNED CHECKS: All checks returned for non-sufficient funds will result in a $25.00 service charge to be collected at the next visit, or within 30 days (whichever comes first).
UNPAID STATEMENTS: A $5.00 rebilling fee will be charged each month on any outstanding balance. If no payment is received on an account after 90 days, the account will be sent to the collection agency.
REPORTS, FORMS & LETTERS: A fee of $16.50 for the first page and $5.00 p/ea. additional page will be charged for forms, reports and/or letter requests for military, work, personal or other reasons.
An itemized receipt is provided to the patient at each office visit for dispensary purchases. A patient contract is also provided at each visit and will serve as a letter of medical necessity for HSA & FSA accounts if needed. A fee of $5.00 per receipt will be charged when reprints are requested.
PAGER: A fee of $55.00 will be charged for a non-emergent page to the physician. Please note that your pager call may result in a billable visit.
Federal Way Naturopathy is committed to providing high-quality, attentive care to every patient. To ensure appointment availability and respect everyone’s time, we require a minimum of 24 hours’ notice for appointment cancellations or changes. Cancellations made with less than 24 hours’ notice will incur a $50 fee, and a $100 no-show fee will be assessed for appointments missed without notice.
Federal Way Naturopathy firmly believes that a good patient/physician relationship is based upon understanding and open communications. It is our hope that the above policies will allow us to provide the highest quality care to our patients. If you have any questions or need clarification regarding these policies, please call us at 253) 942- 3301.