Rates & Payment

CIM Does Not Accept Insurance,
Here's Why:

The Center for Insight Medicine was formed in response to many frustrations and limitations experienced while practicing medicine under conventional insurance model.

We have chosen autonomy, taking the time necessary to form a deeper alliance with our patients. This leads to better results, more effective patient-practitioner engagement, and the freedom to move forward without uninvested parties limiting our options.

This has the following implications:

  • CIM does not accept ANY insurance – payment is made by credit or debit card (including HSA/FSA), cash, or check at the time of service.
  • Invoices and Superbills are provided after every visit so that patients may self-file for out-of-network benefits or for tax purposes.
  • At this point, CIM is restricted from seeing Medicare, Medicaid, TennCare, etc (essentially any government-sponsored plan).
    • Any Medicare, etc patients wishing to have a consultation must first have a phone call to discuss these limitations and the options available.
    • The Medicare, etc. prohibitions do not restrict your avid consumption of our Patient Resources, Dr. Matt’s talks, or our recommended books, nor your attendance in any of our Classes or Workshops as these are not considered clinical visits.

Rates and Payment

At CIM, all services are charged based on time spent, rounded to the nearest 5 minutes. Below are guidelines for patient (new or established) and service types according to household size & income. All fees include Osteopathic Manual Treatment, if indicated.

New Patient Visit

Hourly Rate per # in Household

Household Income

#1–2

#3–5

#6+

<$50k/yr

––$185/hr––

$50–100k/yr

$235/hr

$210/hr

$185/hr

$100–150k/yr

$280/hr

$250/hr

$210/hr

$150–200k/yr

$325/hr

$280/hr

$235/hr

>$200k/yr

––$370/hr*––

*base rate

Hourly Rate per # in Household

Household Income

1–2

3–5

6+

<$50k/yr

––$185/hr––

$50–100k/yr

$235/hr

$210/hr

$185/hr

$100–150k/yr

$280/hr

$250/hr

$210/hr

$150–200k/yr

$325/hr

$280/hr

$235/hr

>$200k/yr

––$370/hr*––

*base rate

Established Patients (visits 2 – 10)

Hourly Rate per # in Household

Household Income

#1–2

#3–5

#6+

<$50k/yr

––$160/hr––

$50–100k/yr

$195/hr

$180/hr

$160/hr

$100–150k/yr

$240/hr

$205/hr

$180/hr

$150–200k/yr

$280/hr

$240/hr

$195/hr

>$200k/yr

––$320/hr*––

*base rate

Hourly Rate per # in Household

Household Income

1–2

3–5

6+

<$50k/yr

––$160/hr––

$50–100k/yr

$195/hr

$180/hr

$160/hr

$100–150k/yr

$240/hr

$205/hr

$180/hr

$150–200k/yr

$280/hr

$240/hr

$195/hr

>$200k/yr

––$320/hr*––

*base rate

Established Patients (visits 11+)

Hourly Rate per # in Household

Household Income

#1–2

#3–5

#6+

<$50k/yr

––$135/hr––

$50–100k/yr

$170/hr

$150/hr

$135/hr

$100–150k/yr

$205/hr

$175/hr

$150/hr

$150–200k/yr

$235/hr

$205/hr

$170/hr

>$200k/yr

––$270/hr*––

*base rate

Hourly Rate per # in Household

Household Income

1–2

3–5

6+

<$50k/yr

––$135/hr––

$50–100k/yr

$170/hr

$150/hr

$135/hr

$100–150k/yr

$205/hr

$175/hr

$150/hr

$150–200k/yr

$235/hr

$205/hr

$170/hr

>$200k/yr

––$270/hr*––

*base rate

PSIP

Hourly Rate per # in Household

Household Income

#1–2

#3–5

#6+

<$50k/yr

––$150/hr––

$50–100k/yr

$190/hr

$170/hr

$150/hr

$100–150k/yr

$230/hr

$190/hr

$170/hr

$150–200k/yr

$265/hr

$230/hr

$190/hr

>$200k/yr

––$300/hr*––

*base rate

Hourly Rate per # in Household

Household Income

1–2

3–5

6+

<$50k/yr

––$150/hr––

$50–100k/yr

$190/hr

$170/hr

$150/hr

$100–150k/yr

$230/hr

$190/hr

$170/hr

$150–200k/yr

$265/hr

$230/hr

$190/hr

>$200k/yr

––$300/hr*––

*base rate

Prolotherapy

Hourly Rate per # in Household

Household Income

#1–2

#3–5

#6+

<$50k/yr

––$210/hr––

$50–100k/yr

$300/hr

$270/hr

$240/hr

$100–150k/yr

$360/hr

$315/hr

$270/hr

$150–200k/yr

$420/hr

$360/hr

$300/hr

>$200k/yr

––$480/hr*––

*base rate

Hourly Rate per # in Household

Household Income

1–2

3–5

6+

<$50k/yr

––$210/hr––

$50–100k/yr

$300/hr

$270/hr

$240/hr

$100–150k/yr

$360/hr

$315/hr

$270/hr

$150–200k/yr

$420/hr

$360/hr

$300/hr

>$200k/yr

––$480/hr––

*base rate

Payments

  • A valid credit or debit card is required by the electronic medical record platform when scheduling your first appointment, and this will remain on file for as long as you choose to be seen at C.I.M.
  • Credit or debit is preferred for security reasons, but cash or check are acceptable.
  • All major credit cards are accepted and run via Stripe, which is securely integrated with the EMR and credit card numbers are encrypted when stored so they can never be exported.
  • If you have a health savings account (HSA) or flex spending account (FSA) these are accepted, since this is a medical expense, and you will be provided an invoice and superbill to submit for payment justification.
  • Payment in full is appreciated at the time of your visit, however exceptions may be requested and discussed.
  • At the time of billing you will be provided with an invoice, detailing the time spent, services performed, the amount due/paid for the visit, and the manner in which it was paid. A Superbill is also provided for those wishing to self file, which is a document required by all insurers and includes all the usual and necessary medical codes and jargon.

 

Out-of-Network Insurance Filing

  • Again, C.I.M. accepts NO PAYMENTS FROM INSURANCE and we do not file any claims. However, if your insurance plan allows for out-of-network benefits, C.I.M. will provide you with a Superbill with both diagnosis and procedural codes appropriate to the visit that most closely reflect the work done. These approximate the standard reimbursements for the usual “CPT” codes recognized by payers. You may then submit this superbill to your insurance for reimbursement, to pay down your out-of-network deductible, or to justify a medical expense if you itemize deductions on your taxes.
  • However this NEVER applies to Medicare (or Advantage plans), Medicaid, TennCare, or Disability Insurance. If you have one of these plans you will not be given a Superbill.
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