Insurance Coverage Guide

Understanding Insurance at Helixona

Clarity. Transparency. Protection for Your Health and Your Finances.

Navigating insurance is confusing even in the best of circumstances—especially when you’re trying to heal from chronic illness or optimize your long-term health. At Helixona, we believe financial clarity is part of whole-person care. You deserve to know exactly what to expect so you can focus on your progress, not your bills. Below is a simple, patient-friendly explanation of how insurance works at our clinic and how we protect you financially.

Our Current Insurance Status

We Are In Network (INN) With:

Medicare

Blue Cross

Blue Shield (expected December 2025)

We Are Out of Network but accept (OON):

Cigna

United Healthcare

We are actively working to join these networks, but both insurers have stated their panels are currently full.

How We Protect You When We Are Out of Network

Even if your insurance considers us OON “out of network,” we will not pass inflated fees on to you.

You will only pay what you would have paid if we were in-network:

We calculate your in-network patient responsibility

You pay only that amount

We write off the rest

This protection ensures you receive high-level care without facing unreasonable out-of-network OON charges. We do this because your healing shouldn’t be blocked by insurance limitations or financial stress.

Why Some Therapies Aren’t Covered —
and How We Support You Anyway

Many of the therapies that have the greatest impact on healing and long-term wellness are never covered by insurance, including:

EBOO

Red Light and Laser Therapy

Frequency Therapy

InnerFlow

Some IV formulations

Certain advanced diagnostics

Because we know you may need these therapies, we work hard to minimize your costs on the services that are covered by insurance. This balance allows you to receive the therapies that move the needle without breaking the bank.

We Offer Patient Financing

To further support your budget, Helixona offers patient financing options for treatment plans and cash-based therapies. This allows you to:

Begin your recommended therapies right away

Spread treatment costs over time

Stay consistent with your care plan

Avoid delaying essential treatments due to financial strain

Your Patient Care Coordinator can walk you through financing options and help determine what works best for your financial comfort.

Before Treatment We Will Review All Expected Costs

Before any treatment begins, your PCC will:

Review anticipated insurance-covered costs

Explain which therapies are cash-based and why

Outline your out-of-pocket expectations

Discuss financing options

Answer all financial questions

Ensure you feel confident and informed

You will always know what to expect before starting care.

Why We Require a Credit Card on File

We require a card on file to balance the high cost of insurance billing with the need to keep patient out-of-pocket costs low. 

How it works:

After insurance processes your claim, we send an invoice

You have 7 days to review it and ask questions

After 7 days, your card is charged

This system allows us to:

Offer insurance billing without raising prices

Avoid costly collection efforts

Keep your expenses as low as possible

Maintain financial sustainability while supporting complex care

This protects both you and the clinic.

Our Commitment to You

At Helixona, we are committed to:

Protecting you financially

Providing full cost transparency

Using insurance whenever possible

Offering financing for uncovered treatments

Minimizing your out-of-pocket burden

Ensuring no surprise bills

We want healing to be accessible, predictable, and sustainable. If you have questions at any time, we are here to support you.

Billing & Insurance FAQ

Clear Answers. Transparent Policies. Support Every Step of the Way.

At Helixona, we want you to understand exactly how your insurance works and what to expect financially as you begin your healing journey. Below are the questions patients ask most often—answered as clearly and simply as possible.

Frequently Asked Questions

We are currently In Network with:

  • Medicare
  • Blue Cross
  • Blue Shield (expected December 2025)

We are actively expanding our contracted plans as insurers open their panels.

We are currently Out of Network with:

  • Cigna
  • United Healthcare
  • Aetna (IV's not covered)

However, we do accept out-of-network benefits for these plans.

No. When we are out of network, you will only pay what you would have paid if we were in network.

We calculate the in-network rate and write off anything above that amount so you are not penalized for where your insurance company has placed us. Many times there is a high out of network deductible—when you commit to your care plan we are able to work with you so the burden of a high deductible is not getting in the way of your care plan.

This is part of our commitment to making care accessible and financially protected.

Because healing shouldn't bankrupt people.

Many therapies that truly help chronic illness and support longevity are not covered by insurance. We lower the cost of your covered services to offset what you may need to invest in your healing plan.

It's our way of protecting you while still providing advanced care.

Yes. Helixona offers patient financing options to help you spread the cost of cash-based therapies over time.

This allows you to:

  • Start treatment immediately
  • Stay consistent with your care plan
  • Reduce financial pressure
  • Access the therapies you need without delay

Your Patient Care Coordinator can walk you through your financing options.

To keep your costs low and avoid charging higher administrative fees.

Billing insurance is extremely expensive for clinics—yet we choose to do it because it reduces your out-of-pocket burden. In exchange, we ask that we do not also have to chase payments from patients.

Here's how it works:

  • You receive an invoice after insurance processes your claim
  • You have 7 days to review and ask questions
  • After 7 days, your card on file is charged

This gives you plenty of time to ask questions while keeping the clinic financially sustainable.

No. We are committed to full transparency.

Before starting any treatment plan, your Patient Care Coordinator will review:

  • What your insurance will likely cover
  • What your estimated responsibility might be
  • Which therapies are cash-based
  • Financing options

You will always know your expected costs before treatment begins.

Insurance companies often do not cover treatments that:

  • Are newer or advanced
  • Support whole-body recovery
  • Help chronic illness in ways conventional care does not
  • Improve longevity or performance rather than treat acute disease

Examples include: EBOO, Red light and low-level laser therapy, Frequency therapy, InnerFlow, Some IV formulations, and MEAD Analysis.

We keep our covered services affordable so you can access the therapies that truly help you heal.

Most standard labs are billed through the lab companies and processed by your insurance plan. Specialty labs may be partially covered, out of network, or cash-based depending on your plan.

Your doctor or PCC will explain any specialty lab costs before ordering them.

You will receive:

  • A clear invoice
  • A 7-day review period
  • An opportunity to ask questions before your card is charged

We are here to answer any questions you have.

Absolutely. Your Patient Care Coordinator and our Billing Support Team are here to help you review your charges and understand how insurance applied your benefits.

Some insurers send payment directly to patients instead of to the clinic. If this happens, we ask that you:

  • Endorse the check over to Helixona, or
  • Submit payment for the same amount within 7 days

This ensures your account remains accurate and your treatments continue smoothly.

Still Have Questions?

We’re here to support you with clarity, transparency, and compassion. If you have questions about insurance, billing, or expected costs, please contact your Patient Care Coordinator or our Billing Support Team. Healing is easier when you understand the path ahead—and we’re honored to walk it with you.