Commercial Health Insurance

Upon request, we provide a service filing out-of-network claims to most commercial health insurances. HMO plans do not include out-of-network benefits except in the rarest of situations.

Policyholders who wish to use our claims filing service must submit their insurance card information to us. We check eligibility and level of benefits with the insurer and inform you of the results. If you’re unable to provide the required information ahead of time, we will verify benefits after your first appointment.

Claims require us to include one or more diagnosis codes for conditions treated. We must also have the name of the diagnosing/referring physician and the hospital or clinic name and address. Your insurance company may want a letter of medical indication, referral, or prescription from your physician.

To assist with these requirements, please print or pick up from our office our Insurance Preparation Information Sheet. This form is for recording convenience. You may either ask your physician for the information or give them the form to complete since no signature is required. Please complete form in its entirety.

Financial Agreement

You must complete our Financial Agreement form before we file claims on your behalf. Insurance companies reimburse the patient unless contracted to pay Non-Participating Providers directly. The form gives you the option to pay at the time of your visit or we can charge the accrued amount to your credit card kept on file at the end of the month. Our merchant services provider (SquareUp) maintains on-file credit card information. We do not store credit card information on our devices or in our files except permissions.

Generally, out-of-network reimbursements are substantially less than if you had seen an in-network provider. Additionally, they will reduce the reimbursed amount by any deductible you still owe at time of service, any copays, coinsurance, and any uncovered amount, meaning the difference between our charges for a procedure and their customary reimbursement computations for non-participating / out-of-network providers.

Please remember insurance companies may limit or deny services which are provided by a Licensed Massage Therapist.

Important Information to Know For Private Insurance:

1. Your health insurance company (HIC) may choose to reimburse your claim(s) in part, in full, or may deny claims altogether for any reason. We have no legal status to enforce reimbursement of claims.
2. Your HIC may deny patient benefit eligibility at any time, even after approving it. We cannot submit a claim if eligibility is denied. Patient must contact insurer directly.
3. Letter of Medical Indication – Your HIC may require a signed document of medical indication or prescription for massage therapy or any of our other billable services from your primary care or attending physician. When required, your physician must provide a signed letter on office letterhead. It must include a diagnosis and/or diagnosis code and referring physician’s NPI number. HICs will generally not accept this letter by any other media (i.e., non-office stationary, email, text message, etc.).
4. Even after providing a properly prepared letter of medical indication, your HIC may deny your claim on the grounds that they decided your treatment was NOT medically necessary. Insurance company physicians determine medical necessity and patient’s physician determines medical/clinical indication. These nuanced terms form the basis for many out-of-network and in-network denials regardless of the procedure.
5. Payment for all services performed by Manchester-Bedford Myoskeletal LLC is the responsibility and at the expense of the patient. Acceptable forms of payment are cash, credit/debit card, and Apple Pay, Google Pay, Samsung Pay, Cash App Pay and contactless cards. We do not retain any credit card information on any device and we do not have access to that information.
6. We also accept payments from Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA). HSA and FSA acceptance account rules vary by individual plans. To avoid surprises, we suggest patients check with their HSA/FSA plan managers beforehand to ensure they approve use of the plan for clinical massage therapy.
7. Health insurance does not reimburse for missed appointment, no-show, or late cancellation fees.

Please note services rendered in our clinic are between Manchester-Bedford Myoskeletal LLC and the patient/guardian and not with any private insurance company. We simply offer claim filing as a service to our patients. Your insurance company will send you a statement (Explanation of Benefits or EOB) by mail describing the portion of the claim you are responsible for. However, as we have no contractual agreement with commercial insurers to accept any predetermined amount for service as a credentialed in-network provider has, insurers have no legal standing to alter your responsibility for our full payment. You are solely responsible for paying all charges resulting from services rendered and other charges as described in our Policies. Please speak with our office manager if you have any questions in this regard.