You cannot put a price on good health, and a happier life. That’s why we strive to keep our weight loss program affordable for all.
Keeping Weight Loss Simple is our motto.
Our clinic offers comprehensive medical weight loss options for clients of all backgrounds! Whether you have insurance or not, we offer an option that is right for you. Ask a team member for more details.
| Service | Description |
|---|---|
| Provider Visits | Receive a comprehensive consultation with our medical experts as well as follow-ups to ensure the plan created is working for you! |
| Weight Loss Medication | Our weight loss providers and team will work with you to decide which weight loss medication is the best option. |
| Referral to Telehealth Dietitian | Get referred to our telehealth registered dietitian partner, Nourish®, who specializes in weight loss. |
Contact us today to learn more about your options and start your weight loss journey with confidence. We are here to support you every step of the way.
Your Weight Loss Success story starts today!
Book your weight loss consultation today and start your journey towards a healthier, happier you.
FAQ
What insurance do you accept?
Below is the current status with major insurance companies. Please note that individual plans may vary in-network availability, and additional fees may apply. For clients whose insurance we cannot currently bill, we offer competitive self-pay visit options.
| Insurance | Status |
|---|---|
| Commercial Aetna | Approved |
| Aetna Better Health of Michigan | Approved |
| Aetna Choice Plans | Approved |
| Aetna Health, Inc. | Approved |
| Aetna Medicare PPO | Approved |
| Auxiant | Approved |
| Medicare Part B | Approved |
| Michigan Medicaid | Approved |
| Michigan Blue Cross Blue Shield | In Process |
| Blue Care Network | In Process |
| Blue Cross Complete | In Process |
| Commercial UnitedHealthcare (UHC) | Approved |
| GEHA | Approved |
| Surest | Approved |
| United Healthcare Medicaid | Approved |
| UnitedHealthcare Community Plan / MI (formerly Great Lakes Health Plan) | Approved |
| UnitedHealthcare Community Plan / UnitedHealthcare Dual Complete – Oxford Medicare Network | Approved |
| UnitedHealthcare Medicare / UnitedHealthcare Group Medicare Advantage | Approved |
| UnitedHealthcare Medicare / UnitedHealthcare MedicareComplete | Approved |
| UnitedHealthcare Medicare / UnitedHealthcare MedicareDirect | Approved |
| AARP Medicare Supplement Plans insured by UnitedHealthcare Insurance Company | Approved |
| AARP MedicareComplete insured through UnitedHealthcare (formerly AARP MedicareComplete from SecureHorizons) | Approved |
| Meridian Medicaid | Approved |
| Molina Medicaid | In Process |
| HAP Medicaid | In Process |
| Commercial Humana | Approved |
| Humana Medicare | Approved |
| Humana Gold Choice | Approved |
| Humana Gold Plus | Approved |
| Humana Medicare Advantage | Approved |
| Medicare Plus Blue | In Process |
| Priority Health | Approved |
| Priority Health Medicare | In Process |
| Paramount | In Process |
| Cigna | Approved |
| Anthem | In Process |
| UMR | Approved |
Do I need to make a payment at the time of my visit?
| Payment Requirement | Details |
|---|---|
| Insurance Billing | We now bill directly for visits with accepted insurance providers. Please contact our team to see if we are in-network for your insurance plan. |
| Self-Pay Option | For clients without insurance or who prefer self-pay, we offer a simple and affordable pricing option with no hidden fees. |
| Compounded Medication Coverage | Insurance companies do not provide coverage for compounded medications. However, there are commercial medications available that may be covered. |
Why Do We Offer Both Insurance Billing and a Self-Pay Option?
We aim to make high-quality weight loss care accessible to everyone. For clients using insurance, we work directly with a range of providers, including Aetna, and are in the process of adding BCBS, Paramount, United Health Care, Priority Health, Medicaid, and Medicare. Contact us to confirm if your insurance is in-network.
For those who prefer self-pay, our affordable pricing option keeps your care straightforward and budget-friendly without memberships or contracts. This flexibility ensures that you can access our services in the way that best suits your needs.
Our goal is to provide a smooth, supportive experience that prioritizes your health, whether through insurance or a simple self-pay option. Start your weight loss journey with confidence, knowing exactly what to expect at each step.
Do You Send Clients to Collections?
| Payment Policy | Details |
|---|---|
| Collections | We may be required to send clients to collections if there are outstanding bills. However, many factors are considered before this occurs. Please reach out to our team to discuss affordable payment options. |
| Payment Due | All costs for services are due at the time of service to simplify your experience. |
| Payment Methods | We accept a variety of payment methods, including credit/debit cards, FSA/HSA, and more. |
Understanding Our Payment Policy:
We strive to maintain a clear and straightforward payment policy. While our priority is to avoid collections, clients with outstanding balances may be sent to collections after considering multiple factors. To prevent this, we encourage clients to communicate with our team and explore payment options that fit their budget.
To ensure a smooth process, all costs for services are due at the time of service. We accept various payment methods, including credit/debit cards and FSA/HSA cards, for your convenience.
Our goal is to support you in accessing the care you need. Please contact us if you need assistance with payment arrangements or have any questions about your bill.
Do you accept FSA/HSA cards?
| Payment Method | Details |
|---|---|
| FSA (Flexible Spending Account) | Accepted for eligible medical expenses. |
| HSA (Health Savings Account) | Accepted for eligible medical expenses. |
| Other Payment Methods | Credit/debit cards, insurance, and more. |
Understanding FSA and HSA:
Yes, we accept both FSA (Flexible Spending Account) and HSA (Health Savings Account) cards for payment. These accounts are special types of savings plans that allow you to set aside pre-tax dollars to pay for eligible medical expenses, including our services.
- FSA (Flexible Spending Account): An FSA is offered by some employers and allows you to contribute a portion of your earnings to pay for out-of-pocket medical expenses. Funds must generally be used within the plan year.
- HSA (Health Savings Account): An HSA is available to individuals with a high-deductible health plan (HDHP). Unlike an FSA, the funds in an HSA can roll over year to year, and they can be used to pay for qualified medical expenses at any time.
Using your FSA or HSA card is easy and convenient. Just present your card at the time of payment, and we’ll handle the rest!
What happens if my insurance doesn’t cover the medication?
| Scenario | Options & Next Steps |
|---|---|
| Insurance Denial | We can assist with a prior authorization (PA) request to seek approval. |
| Prior Authorization Required | We will work with your insurance to provide the necessary documentation. |
| Out-of-Pocket Costs | We can explore alternative medications or payment options. |
| Assistance Programs | Eligibility for manufacturer or pharmacy discount programs may be available. |
Understanding Insurance Denials and Prior Authorization:
If your insurance doesn’t initially cover the medication, there are several pathways we can explore:
- Insurance Denial: If your insurance denies coverage, we can assist by submitting a prior authorization (PA) request. A PA is a process where we provide additional information to your insurance company to justify the need for the prescribed medication.
- Prior Authorization Required: Sometimes, your insurance may require a PA before covering the medication. We will work directly with your insurance provider to handle this process and provide the necessary documentation.
- Out-of-Pocket Costs: If the medication is not covered, we can discuss alternative medications or explore payment options to minimize your out-of-pocket expenses.
- Assistance Programs: Depending on your situation, you may qualify for manufacturer or pharmacy discount programs, which can help reduce the cost of your medication.
If you encounter any issues with insurance coverage, please contact our team. We are here to help you navigate the process and find the best solution for your needs.
What is the cost of Wegovy® or Ozempic® with insurance?
| Insurance Type | Estimated Cost |
|---|---|
| Commercial Insurance | Depends on your plan; often includes a copay or coinsurance. |
| Medicare | Typically not covered; out-of-pocket costs may apply. |
| Medicaid | Coverage varies by state; check with your provider for details. |
| Without Insurance | Average retail price can be up to $1,000 per month. |
Understanding Your Costs:
The cost of Wegovy® or Ozempic® with insurance can vary widely depending on your specific insurance plan. Commercial insurance often covers a portion of the cost, leaving you with a copay or coinsurance. However, Medicare typically does not cover these medications, leading to higher out-of-pocket expenses. Medicaid coverage can vary, so it’s important to verify with your provider.
If you are without insurance, the average retail price for these medications can be substantial, reaching up to $1,000 per month.
For the most accurate estimate, it’s best to contact your insurance provider directly or speak with our team for assistance in understanding your options.
Do I Need a Referral?
| Referral Requirement | Details |
|---|---|
| Referral Needed | A referral may be required depending on your insurance provider. Please contact your insurance company or our team to confirm if a referral is necessary. |
| Insurance Billing | We bill accepted insurance providers directly. Requirements may vary by insurance plan, so check with your provider for specific details. |
| Supporting Documentation | Your primary care doctor or family physician can fax us any relevant visit notes or records to help support any required prior authorizations. Our fax number is 734-418-9068. |
Understanding Referral Requirements
In some cases, your insurance may require a referral for coverage. We recommend checking with your insurance provider or contacting us to determine if a referral is needed. Alternatively, your family doctor can send a referral directly to us, and we will reach out if further documentation is necessary.
Our goal is to ensure you have a seamless experience. Providing any additional information from your primary care provider can support prior authorization processes, if needed.
Yes! Our practice does participate in the CareCredit® network and CareCredit® can be utilized to pay for visits at our practice.
To learn more about CareCredit® you can visit their website by clicking here.
*Please note Life IV Weight Loss does not handle applications or the process of enrolling with CareCredit®. Please get in touch with CareCredit® directly for any questions regarding enrollment, paying your bill or any concerns of that nature.
Your Weight Loss Success story starts today!
Book your weight loss consultation today and start your journey towards a healthier, happier you.