Does my insurance cover Nema treatment?

Your out-of-pocket cost depends on your specific insurance plan and may include:

• A copay
• Coinsurance (a percentage of the program cost)
• A deductible that must be met before coverage applies

Nema has negotiated special arrangements with the insurance plans we accept to reduce the number of copays that you may pay, so copays are not necessarily required with every appointment you may have. These arrangements vary by insurance plan. 

We review benefits in advance and aim to provide clear cost estimates before you begin care, so you understand your financial responsibility upfront. 

Yes. If Nema is not in-network with your plan, you may still be able to:

• Use out-of-network benefits (depending on your policy)
• Pay privately using a self-pay option

We can help explain your options and provide documentation to support reimbursement, such as a superbill, if your plan allows it. 

Some, but not all, insurance plans require an authorization before starting care with Nema. These are typically for administrative purposes only. If authorization is required, Nema handles the process for you. Our admissions team will guide you through any plan-specific requirements so your care is not delayed unnecessarily.

There are no upfront costs or long-term contracts that are routinely required from Nema. Your insurance plan may require you to pay coinsurance (a percentage of the program cost) or a deductible depending on the plan you have chosen. Nema will inform you of these costs and assist you with payment. Any expected financial responsibility is discussed before care begins.

When you are billed depends on whether you use insurance or pay out of pocket. For patients using insurance, you may receive a bill about a month after the service date due to insurance plan processing time. If you are paying out of pocket, charges are usually billed about a day after the appointment occurs. 

Insurance benefits can be hard to interpret. If you have questions about:

• Deductibles, copays, or coinsurance
• Authorization requirements
• Out-of-network coverage

Our admissions team is available to walk you through your benefits and help you make an informed decision. They can verify insurance and explain your benefits on a live call - book one today. 

Yes, we have extensive experience caring for work-related injury survivors. We are able to coordinate with worker’s compensation teams, including third party administrators and other stakeholders in your care. Please book a call today to learn more.