Thank you for choosing Integrative Family Wellness Center. We will do our best to provide you with the highest quality services. We feel that it is very important that our patients have a clear understanding of our expectations regarding billing and payment.
Naturopathic Insurance Billing:
Dr. Michele Nickels, ND, LAc is not contracted with any insurance companies. Naturopathic medicine is a non-covered service, but you can use your insurance &/or HSA for bloodwork & more by submitting a copy of your itemized receipt from IFW.
Fees are determined after the visit has taken place and depend on the complexity of the health concern, which procedures were performed, and the amount of time spent with the patient. If we are not contracted with your insurance company or you do not have medical insurance, we offer an income-based time of service discount. If you are having financial difficulty, we will be happy to work with you. You may want to establish a payment plan. We ask that these payments be made on time monthly and be paid in full within six months.
Full payment for visit co-pays, supplements, and lab fees must be rendered at time of service and can be made by cash, check, credit card, FSA/HSA, or Care Credit. There will be a $25 service fee for any returned checks. Patients will be held responsible for non-payment by their insurance company. Accounts unpaid by the insurance company greater than 90 days will be billed to the patient.
All appointments must be canceled at least 24 hours in advance. A charge equal to the amount of the scheduled appointment will be billed if this type of appointment is missed or canceled too late as above. If the patient is more than 10 minutes late to any appointment, the appointment will be canceled and the patient will be charged the cancellation fee.
If you have insurance that covers chiropractic services, we will bill your primary and secondary insurance companies as a courtesy to you. Please remember, your insurance policy is a contract between you and your insurance company. You are responsible for the portion that your insurance policy may not cover at the time of services rendered. Specifically: YOU ARE RESPONSIBLE FOR YOUR INSURANCE DEDUCTIBLE. Your deductible is the amount of money that your insurance policy requires you to pay before the insurance company will begin to pay your claims. YOU ARE RESPONSIBLE FOR YOUR CO-PAYMENT. Your co-payment is the amount determined by your insurance company that is due for each office visit. This should be paid at the time services are rendered. NOTE: You MAY also owe co-insurance. YOU ARE RESPONSIBLE FOR YOUR CO-INSURANCE. Your co-insurance is the amount of money remaining after the insurance has paid its portion of your charges. Again, you MAY have a co-payment AND co-insurance. YOU ARE RESPONSIBLE FOR PAYMENT IF YOUR INSURANCE COMPANY DEEMS YOUR TREATMENT NOT MEDICALLY NECESSARY OR IF YOUR TREATMENT IS A NON-COVERED SERVICE.