Coverage & Billing
Insurance & Billing
Our dedicated billing team works with your insurance to help maximize your benefits and simplify the billing process.
How Our Billing Works
We handle the complexity of insurance billing so you can focus on care.
Insurance Verification
We verify your insurance coverage before services begin to help you understand your benefits and any client responsibility.
Claims Submission
Our billing team submits claims to your insurance payer on your behalf, following all required billing procedures.
Claims Tracking
We monitor the status of submitted claims and follow up with payers to ensure timely processing.
Client Responsibility
Any copays, coinsurance, or non-covered amounts will be clearly communicated and invoiced separately.
Private Pay
For clients without insurance coverage or who prefer to pay directly, we offer straightforward private-pay billing.
Payment Options
We offer multiple payment options for client responsibility and private-pay balances.
Understanding Your Bill
Insurance Claims & Reimbursement
We submit claims to your insurance payer on your behalf. Reimbursement is paid by the insurance company directly to Luxa and Care based on your plan benefits and covered services.
Electronic Funds Transfer (EFT)
Insurance payers may remit payment to Luxa and Care via Electronic Funds Transfer. This is a payment from the payer to the provider — separate from any client responsibility.
Electronic Remittance Advice (ERA)
ERAs are electronic explanations of payment from insurance payers, detailing how claims were processed, adjusted, and paid. Our billing team reviews all ERAs.
Client Responsibility
Your copay, coinsurance, or deductible amounts are your responsibility as defined by your insurance plan. These amounts are invoiced separately from insurance claims.
Private Pay
Clients without insurance coverage, or who prefer to pay directly, are billed on a private-pay basis. Rates and payment terms are established at the time of service agreement.
Payment Reconciliation
Our billing team reconciles all insurance payments, ERA data, and client payments to ensure accurate account balances and proper financial records.
Insurance coverage varies by plan and payer. Contact our billing team to verify your specific benefits. Luxa and Care does not guarantee coverage or reimbursement by any specific insurance plan.
Questions About Your Coverage?
Our billing team is here to help you understand your benefits and billing options.