NeuCare + Health Insurance
NeuCare is an independent, affordable service for primary care that operates outside of traditional insurance billing systems. By avoiding this system, we can often help reduce patients’ total medical expenses through better care and savings on ancillary services. Our members typically have an HSA or FSA, along with a high-deductible or catastrophic insurance plan, as it provides them with the best routine care while offering financial protection from major medical events. Others find that “non-traditional” insurance options, such as indemnity or “health sharing” plans, are the most effective option.
Insurance FAQs
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No. NeuCare does not contract with any private or public (Medicare or Medicaid) health insurance plans and cannot bill them on your behalf. However, we encourage everyone to have some form of health insurance in case of unexpected, expensive health events, such as surgery or hospitalization.
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Nope! NeuCare is an excellent way to access high-quality primary healthcare and other services. Still, we strongly recommend that everyone carry some form of health insurance, which is necessary for unexpected and expensive events.
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Yes! The vast majority of our services are considered eligible medical expenses. Most patients use a debit card, which is automatically approved, but can provide receipts for reimbursement where needed.
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In most cases, yes. Your insurance plans will continue to operate “as usual” at other doctor's office, hospitals and pharmacies. PPO-style plans do not require a designated “gatekeeper” doctor for referrals, medications, tests, etc. Dr. Neu can order or refer just as another doctor would do. HMO-style plans (including Kansas Medicaid plans) do require an in-network designated primary doctor for access to other services, so they do not pair as well with NeuCare.
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We can provide Medicare beneficiaries stellar primary care services. However, our charges cannot be billed to Medicare by us or the patient and the beneficiary must sign a Private Contract prior to joining acknowledging this fact. As Medicare is an open network, patients may continue to use their Medicare benefit elsewhere with accepting providers as usual.
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Our services, by themself, do not qualify as health insurance or covered under current law. However, this type of practice is loosely termed “Direct Primary Care.” It is mentioned briefly in the Affordable Care Act as "participating in insurance exchanges with a wrap-around insurance plan”. The details of such are still very unclear, but we are not waiting around for Washington or any other capitols to provide our community with high-quality, affordable primary care.
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We do not contract with any Medicaid/KanCare plans and cannot bill them for our services. Medicaid/KanCare recipients are welcome to join NeuCare but will likely also be assigned a "network Primary Care Physician (PCP)" that may be required to access other health plan benefits and services.
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MEMBERSHIP FEES: Generally, insurance companies do NOT recognize any membership fees as a reimbursable expense.
OTHER FEES: For à la carte services or non-covered service fees (meds, labs, x-rays, etc.), we can provide a receipt of payment so you can process with your insurance plan if you wish.
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Health share plans have traditionally been offered by religious-based organizations that help members share their health expenses. This is technically not “insurance” and not regulated as such. Here is an in-depth article about how Health Share plans work, including their pros and cons.
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We are not financial or health insurance advisors and recommend you speak with a professional in that industry if you have questions. However, our members often find that high-deductible (or catastrophic) insurance plans, health share plans, or indemnity policies are very pleased with their arrangements when combined with our services. NeuCare can provide day-to-day services, and a high-deductible plan can help limit the enormous expenses associated with a major event.