Are the consultations covered by my insurance company?
Consultations with Paloma Health doctors are covered by insurance. We accept most major insurers. Your form of payment will not be charged until the amount of your co-pay is confirmed with you by a Paloma representative.
Want to know if we accept your insurance? Take this quiz:
Are the test kits covered by my insurance company?
This is an at-home health test that doesn't require an office visit. Unfortunately, most health insurance companies do not cover the cost of these at-home blood tests. However, Paloma Health's tests are typically priced lower than out-of-pocket costs associated with such visits.
As always, this will depend on your own coverage but we encourage you to check with your insurance company to see whether they will cover all or some of the cost of our at-home thyroid test.
When discussing coverage, it is important that your carrier understands specifically what the test is and what it is testing for. Be sure to mention the following key points:
- The test is taken at home via a blood sample and analyzed by our partner laboratories
- The test measures: TSH, Free T3, Free T4, Anti-TPO Antibodies
- The report measures the above markers and reports on whether they are high, low, or within the normal healthy range.
Is the medication covered by my insurance company?
Your prescription will be send to your preferred pharmacy where you should only pay your copay. The cost of your copay depends on your plan.
Can I use my HSA/FSA account to pay for a test?
In most cases, you can use your HSA/FSA account to pay for your at-home thyroid blood test. Your Paloma Health test is authorized by a physician, so it should fit the guidelines for most HSA/FSA coverage.
Your Paloma Health test kit purchase can be submitted for reimbursement through HSA/FSA benefits. As always, be sure to check with your specific HSA/FSA benefits coordinator for clarification on the specific requirements for reimbursement including usage, protocol, and qualifications.
Do most health insurance companies cover these tests?
This is an at-home health test that doesn't require an office visit. Unfortunately, most health insurance companies do not cover the cost of these at-home blood tests. However, Paloma Health's tests are typically priced lower than out-of-pocket costs associated with such visits.
What are typical lab costs and how transparent is lab pricing normally?
For traditional tests, there are usually fees associated with an office visit (physician costs), as well as the lab.
Pricing is typically very complicated and not transparent for the consumer. The pricing will vary (sometimes dramatically) by laboratory, institution, test type and markers checked, your personal insurance coverage, and more.
Clear communication of pricing like Paloma Health’s is quite rare within testing and we can’t speak to what your own tests within a lab environment may end up costing out of pocket.
Are there online tools or apps that I can use to check for my coverage for any one test?
Not that we’re aware of but we’d love to learn about one if you find it! Most tools for checking insurance coverage are insurance-operated and apply specifically to physician-ordered tests.
As mentioned above, the absolute best way to check on your own coverage is to call or email your insurance company directly to discuss your personal options.
Companies like Reimbursify.com can help you to file your claim manually for you.
How do I contact Paloma?
For any compliments, complaints, or questions, contact our exceptional customer service team at contact@palomahealth.com.
Are you enrolled in Medicaid?
Paloma Health is not currently enrolled with Medicaid plans. Any orders sent to Medicaid beneficiaries may be subject to approval from Medicaid and is the patient's responsibility.
Price changes for Doctor Visits
Starting November 15th, 2023, the price for a visit at Paloma Health will be increased from $42 to $60. Our commitment to your health and well-being remains our top priority. The price change is a step to ensure we can continue delivering the amazing services you’ve come to expect from Paloma Health. We deeply value our relationship with you, and we always strive to provide you with the best care possible.
To show our appreciation for your continued trust and loyalty, we have an arrangement in place for our existing members. Any visits that you book before November 15th, even if the actual visit date is after this date, will still be charged at the current rate of $42. This gives you the flexibility to schedule future visits at the current price if you wish to do so.
Find out if Paloma is right for you. Schedule a free call with one of our health care advisors.
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