QUESTIONS TO ASK YOUR INSURANCE COMPANY

Calling to verify your benefits is a good idea before our first appointment just to make sure you know exactly what will and won’t be covered. In Vermont, Dr. Lily is in-network with BCBS Vermont, Cigna, MVP, and Vermont Medicaid. In Oregon, Dr. Lily is in-network with Providence, Aetna, Cigna, United, PacificSource, FirstChoice, and Moda. If you don't have these insurances, it may be possible to submit a superbill and get out of network coverage.

Use the script below to guide your call with your insurance company:

  1. With whom am I speaking and call reference number? (Getting this information is a good idea in case problems arise).

  2. What is my copay/coinsurance for a specialist with in-network benefits and with out-of-network benefits? Is this subject to deductible?

  3. What is my copay/coinsurance for lab work?

  4. What is my annual family deductible and annual individual deductible? Have I met my deductible yet? (your insurance often will not start paying until you meet your deductible).

  5. Do I have coverage for naturopathic doctor services?

  6. Do I have out-of-network benefits?

  7. Is there a maximum number of visits per year or other limitations for naturopathic medicine?

  8. Does my plan require a prior authorization for naturopathic medicine?

  9. Does my plan cover telehealth visits?