Terms and Conditions

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Insurance Policies, Terms & Conditions

Our practice is based on fee for service. Fees are due at the time of service. We provide you with a billing receipt with all the necessary codes to submit to your insurance carrier.

We are a preferred provider with United Healthcare. We will bill United Healthcare directly for services.

We do not bill labor and industries claims.

We are not a Medicare provider and have opted out of the Medicare program. This means neither we nor you may bill our services to Medicare for reimbursement. We offer Medicare eligible patients a 15 percent discount.

Insurance billing: Your insurance policy is a contract between you and your insurance company. We are not a party to that contract. We will bill your insurance plan as long as you provide us with the correct information. (We bill all insurance plans.) Please know that your health insurance may not cover some or perhaps all the services, and we are out of network for most insurance companies. You, as the patient, are ultimately responsible for payment of all the services NWHC provides. Insurance companies that send the payment to the patient are Blue Cross, Blue Shield, Asuris, and Lifewise. We will bill these companies for you, but since the payment goes to you the patient, we expect payment at time of service. After we receive payment or denial from your insurance, we bill directly to you with our monthly statement. Past due payments longer than 90 days we send to collection, unless you call our office to establish a schedule of payments.

For other carriers that send payment to the provider, we bill your insurance but request full or partial payment at the time of service. If your deductible is met, then we accept 40 percent copay at the time of service and bill your carrier for the balance. If your deductible is not met, then payment is due at the time of service.

Payment Plans

We realize that healthcare care is expensive. Many of our patients have difficult problems requiring a year or more to treat. In most cases, the initial costs are the highest and cause budgetary issues. If you don’t have coverage, we can set up a plan for you to spread the costs out so they’re more affordable and can fit in the family budget.

If you have concerns about the cost of your care, please discuss your concerns with us. We can give you an estimate of the cost of laboratory testing, office visits, IVs, and supplements and develop a financial plan for covering these costs. We don’t have any control over the cost of laboratory testing, but we can schedule tests so they fit in the budget.


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