Our verifications team will review your insurance & financial Information by:

• Contacting your insurance provider.

• Reviewing your plan benefits in detail.

• Translating the fine print into plain English.

• Provide and communicate a clear estimate of your costs.

• It is your responsibility as the patient to understand any policy updates on behalf of your insurance.

What to Expect With Insurance:

Because every plan is different, your responsibility may include:

• Deductible: The amount you pay out of pocket before your insurance begins to share costs.

• Copay: A set fee due at each visit, depending on your plan.

• Coinsurance: A percentage of the visit cost you’re responsible for, often until your deductible is met.

These amounts vary by plan. Our team will walk you through your specific coverage so there are no surprises.

Current In-Network Plans

• Premera Blue Cross

• Regence BlueShield

Credentialing in Progress

We are actively becoming in-network with:

• Aetna

• First Choice Health

• Cigna

If Your Plan Isn’t Listed

• Many families use their out-of-network benefits successfully.

• Our team will explain exactly how this works for your plan.

• We’ll help you understand what portion of therapy costs you may be responsible for.

Exceptions:
We are not able to partner with the following plans for out-of-network coverage:

• Apple Health (Medicaid/ProviderOne)

• Molina

• Wellpoint

Families with these plans are still welcome at VITA and may choose our private pay option. This provides full access to therapy services without insurance billing.

Private Pay Option

If you prefer not to use insurance, or if your plan is one of the exceptions above, VITA offers a straightforward private pay rate. Many families choose this for flexibility, faster access to care, and fewer restrictions. Please contact our office for current rates.

Payment Policy

• Insurance delays: Most carriers take several weeks to process claims. While claims are pending, your account will be noted as pending insurance payment. Once payment is posted, any remaining balance is due within 30 days.

• Deductible, copay, and coinsurance: Families are responsible for all costs until the deductible is met. After that point, any required copay or coinsurance is due at the time of service.

• Late fees: A $25 late fee (per each month late), will be applied to accounts not paid in full within 30 days of posting.

• Remaining balance: If insurance denies or does not issue payment within 90 days, the full balance becomes the responsibility of the parent/guardian and is due at the time of posting.

• Payment methods: Credit and debit cards are accepted and processed through our secure system.