Insurance

We offer our patients comprehensive health care which limits the ability to work within the limitations of most contractual agreements for health insurance. Payment is required at the time of service. NIHA does not accept assignment or file or coordinate insurance reimbursements although we do provide information on the services rendered for you to submit.

You are responsible for filing your own claim and following up as needed. Please be advised, however, that many of the services provided are not covered by most insurance companies. Please contact your insurance company directly for information on your coverage. We are not providers for HMO insurance, Medicare, or Medicaid. The specific information below should assist you with filing for insurance reimbursement.
 

DENTAL INSURANCE

Our goal in the Biological Dental Group is to maximize your benefits and minimize out of pocket expenses. You will receive a dental claim form that will include all necessary information that is needed for you to file for reimbursement, along with a receipt for the services rendered. Payment is due at the time of service.

Dr. Michelle Janbakhsh is an in-network provider for Delta Dental, Metlife, and Guardian.

We are out-of-network dental providers for these dental carriers:

  • Aetna
  • Care First Blue Cross Blue Shield
  • Cigna
  • Fortis
  • Humana
  • Mutual of Omaha
  • Principal and others

We also have flexible payment options with flexible payment options for dental

 

MEDICAL INSURANCE

Our goal is to provide you with the highest quality medical care and necessary information for maximizing your insurance benefits and minimizing your out-of-pocket expenses. You will receive a medical claim form that will include all information for you to file for insurance reimbursement, along with a receipt for services rendered. NIHA is an out-of-network provider only and does not participate with insurance companies or other provider networks.

Payment is due at the time of service unless other arrangements have been made in advance. We generally do not accept assignment of insurance payments.

CLAIM SUBMISSION
Insurance claim forms and information are provided to patients at the time of visit for submission to your insurance company. While submission of claim forms is the patient's responsibility, you will receive at the time of check-out everything that you need to immediately file your claim. 

NOT RECOGNIZED CARE
NIHA reserves the right in preparing claim submissions to include those procedural codes or other data that accurately reflect services, and to invoice non-covered services using internal descriptions without the use of procedural codes. Please understand that your insurance company may deny coverage because of differences between integrative and conventional medicine. Please contact your insurance company directly for information on your coverage. NIHA will make every effort to provide sufficient information to allow an insurer to determine what services it will reimburse, but it is not responsible for any insurance company decision.

PRIMARY CARE
Tracy Freeman, MD  or Teresa Fuller MD, PhD, may provide limited primary care services as defined by mutual written agreement. Drs. Freeman and Fuller are out of network providers. You will receive a medical claim form that will include all information for you to file for insurance reimbursement, along with a receipt for services rendered.

MEDICARE
Medicare will not cover any services or procedures performed at NIHA, as the doctors have opted out entirely of the Medicare program. Claims cannot be submitted to Medicare and patient is financially responsible for any services or procedures received. However, several of our medical doctors do provide Medicare patients a discount. Please ask for further information at the time you make your appointment. If a patient has secondary insurance, we will provide an opt-out letter to assist in getting coverage.

TRICARE
Dr. Gant and Dr. Rind  will not accept any new patients or treat patients with Tricare insurance. NIHA is a nonparticipating Tricare provider, and Tricare patients are responsible for payment of NIHA’s full fee schedule at time of service and will receive reimbursement directly from the Tricare carrier for the amounts payable under Tricare’s fee schedule. In order for NIHA to bill its service rates, Tricare patients must review and sign a Request for Non-Covered Services that will give advance notice of anticipated fees.

INSURANCE BILLING SERVICES
There are individuals and companies which, for a fee, can assist you with claims filing and reimbursement from insurance or flexible spending account administrators. A list of firms offering these services is available upon request.
 

STATEMENT AS TO NATURE OF SERVICES, PRIVACY STATEMENT and DISCLAIMER:
Continued: Such care is commonly referred to as complementary or alternative medicine ("CAM"), or functional, holistic or integrative care. Many of these therapies have been long practiced in other cultures, while others are emerging, innovative techniques that bring to patients the best thinking of researchers... read more

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