Now Accepting Cash Customers and Cigna Insurance  

 

Using Your Out-of-Network (OON) Benefits at Valor Wellness

You may still be able to use your insurance—even if we’re not in-network.

At Valor Wellness, we are out-of-network with some insurance plans.
However, many patients are surprised to learn they still have out-of-network benefits that can significantly reduce their cost.

What Does “Out-of-Network” Mean?

Out-of-network simply means we do not have a contracted rate with your insurance company.

BUT…
Your plan may still reimburse you for a portion of your visit.

How It Works

1. You pay at the time of your visit

We collect payment at your appointment (this allows us to provide high-quality, uninterrupted care).

2. We provide you with a “Superbill”

After your visit, we give you a detailed receipt (called a superbill) that includes:

Diagnosis codes (ICD-10), Procedure codes (CPT), Provider information

3. You submit to your insurance

You submit your superbill:

Through your insurance portal, by mail, or sometimes directly through your insurance app

4. Insurance may reimburse you

If your plan includes OON benefits, you may receive: Partial reimbursement, payment applied to your deductible, or credit toward your out-of-pocket maximum.

What to Ask Your Insurance Company

Call the number on the back of your card and ask:

Do I have out-of-network benefits?

What is my out-of-network deductible?

What percentage do you reimburse (e.g., 60%, 70%)?

Do I need preauthorization?

Where do I submit a superbill?

Important Notes

Payment is due at the time of service

 Reimbursement is not guaranteed and depends on your plan

We do not bill insurance for out-of-network services

 Lab work may still be billed through your insurance (depending on the lab used)

Why Patients Choose Valor Wellness

Longer, more personalized visits. Comprehensive hormone and wellness evaluations. Advanced testing options beyond standard insurance labs. Care focused on optimal health, not just “normal” labs.