Getting Insurance To Pay For Your Ketamine Treatments
Whether you are just now considering Ketamine infusions for Depression or you have already reaped the positive effects from them, cost can be a huge factor. It can be frustrating to finally find something that works for your Treatment Resistant Depression that insurance may not cover. At Ketamine Wellness Centers, one of our goals is to get everyone who can benefit from this treatment helped without cost being a deterrent.
All insurances are different, and while there is no guarantee your specific insurance will refund you for any or all your treatments, I want to share how I got some of my treatments covered by insurance and some tips that have worked for other Ketamine patients in the past. I had my initial treatments in 2016 and heard insurance was unlikely to cover anything. It was disappointing, but, with how much better I was feeling, I had the energy to try and get something covered and I knew it was worth a shot.
First, I asked for the super bill at my infusion. The way it is broken down by different codes for very specific steps of the procedure (for example, a specific code for the office visit, for the IV and for the Ketamine itself) seems to be an aiding factor in the insurance company’s decision. After submitting the claim to my insurance after my treatments (my insurance is a Blue Cross Blue Shield PPO plan, for reference), I called the customer service line.
After many long call waiting tunes, I was connected and explained the situation and educated the agent. I emphasized that they have covered many bills of unsuccessful treatments and that it would be more cost effective for them to cover Ketamine infusions that actually work for me. The agent I spoke with in this instance was kind and understanding, which is not always the case. She was able to get two follow up infusions refunded. However, I have also spoken with agents who refuse to do so because of “policy” or because “the system denied it” but are unable to explain the reasoning why.
I have heard that mentioning the gap in coverage of Ketamine providers has been a successful way patients have gotten some infusions covered as well. Additionally, some insurances have automatically reimbursed our patients a percentage of the cost simply after the patient submits our superbill. This has happened recently with many patients here in our Colorado. While it is not guaranteed, in the past, insurances including Aetna, UMR and Blue Cross Blue Shield have sent our patients checks covering anywhere from 25-60% of the billable codes.
We are all waiting for the day that receiving this life changing treatment is covered by insurance without question. In the meantime, don’t give up hope of getting some insurance compensation. Here are some important tips for working to get your infusions refunded by insurance:
You may get some reimbursement right away or you may have to call and advocate for yourself. You may get a different decision for each representative you talk to, but keep trying and tell them your story about how well this treatment has worked for you. Education is vital in spreading awareness of Ketamine’s effectiveness, to not only insurance companies and agents, but the general public as well.
Mention the insurance gap
Since insurances do not have a coverage plan for Ketamine providers, you can point out that this is a gap in overall coverage. Alternatively, you can suggest they treat the infusions as they would any out of network provider deal (this is generally how they treat it when patients have received automatic reimbursement after submitting).
Don’t lose hope on coverage, or yourself
If you are suffering and have been considering Ketamine infusions, call Ketamine Wellness Centers today to help get you started.
*Insurance carriers have up to one year to reverse their decision on payment.
If you need assistance with insurance claims in Arizona, we employ a third party billing expert, who can help patients for a small fee. Please inquire by phone.
Kayla is an Office Administrator at the Littleton-Denver, Colorado clinic of Ketamine Wellness Centers.