Insurance & Benefits FAQ


Learn about your coverage

How does Luna provide information about my insurance coverage and costs?

Luna verifies benefits as a courtesy so you can focus on your recovery without any financial surprises along the way. Using the insurance information you provide, our team accesses specialized insurance portals designed for providers such as Luna. These portals allow us to review your coverage, determine your eligibility for benefits, and estimate your session costs accurately. We then share the relevant coverage details, including costs, back to you.

What do all the insurance terms mean?

Deductible - The amount a patient pays for health care services before their health insurance begins to pay for visits/services. This is typically reset annually, at the time of insurance renewal. A patient is responsible for the entire cost of health services received until the patient has paid the deductible amount for health services.

Example: If your deductible is $1,000, you must pay $1,000 for any health service covered by your plan before your insurance will begin to cover a portion of health service costs.

Remaining Deductible - The amount of money you still need to pay for healthcare services before your health insurance helps cover the cost. At the start, you pay for all your healthcare expenses until you meet your annual deductible. Once you reach that amount, your insurance starts sharing the cost. The remaining deductible shows how much more you have to pay before your insurance pays more.

Example: If your annual deductible is $1,000 and you've paid $400 already, your remaining deductible is $600. You need to pay another $600 for healthcare before your insurance chips in more.

Co-Pay - The fixed amount a patient pays for a health care service, determined by the insurance company for a specific service, paid for at the time of service.

Example: If your co-pay is listed as $25, you will pay $25 for your health service, after your deductible has been covered. Your insurance plan will pay the remaining balance of the bill.

Co-Insurance - The percentage of a medical charge that a patient pays after a deductible has been met, with the rest paid by your health insurance plan.

Example: If your co-insurance is listed as 10%, you will pay 10% of the payment that has already been made by your insurance carrier for the claim, after your deductible has been covered.

Why is my insurance considered Out-of-Network? I thought Luna accepted all PPOs.

Luna contracts with many insurance carriers. For all other insurance carriers, PPO patients are permitted to see providers that are considered out-of-network. Insurance carriers provide a schedule of fees for out-of-network providers to their PPO patients, that contain specified amounts for deductibles, copays, and co-insurances.

Why would my insurance information change or expire?

Insurance carriers typically renew with their customers annually and the benefits reset. Often coinciding with a new calendar year, deductibles reset to their original amount. Also, if you have recently changed insurance plans, Luna needs to be notified of your new insurance information and also verify your benefits at your new carrier.

Should I verify my own benefits?

Luna verifies benefits as a courtesy, but we recommend you double-check them on your own too. Insurance coverage and rates are subject to change, and Luna is not responsible for any misinformation relayed from the carrier that differs from this courtesy verification.

How can I verify my own benefits?

Luna recommends that patients familiarize themselves with their insurance plans and understand their benefits. To find out your benefits, please call the number on the back of your insurance card. Insurance carriers are well-equipped to answer all of your benefits questions.

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