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Insurance & Payment Options

At Circle Wellness, we believe that high-quality healthcare should be accessible to everyone.

 

We know that understanding insurance coverage, out-of-pocket costs, and payment options can be complex, and we are committed to making this process as clear and transparent as possible.

A personalized health journey

What This
Page Covers

We’ll  help you navigate your insurance benefits, verify coverage, and explore flexible payment options if you’re not covered so you can focus on what truly matters—your health and well-being.

Currently we only accept NYSHIP insurance. Simply provide us with your insurance details, and our billing team will handle the rest.

Does Your NYSHIP Insurance
Cover Our Services?

Circle Wellness offers a range of holistic and functional medicine services, some of which may be covered by insurance, while others fall outside of traditional medical coverage. Insurance coverage depends on your provider, plan, and specific medical diagnosis.

Since insurance companies typically prioritize symptom management over prevention, many holistic and integrative therapies are considered out-of-pocket expenses.

How to Check If Your NYSHIP Insurance
Covers Your Treatment

Insurance plans and policies can vary significantly. To confirm your NYSHIP coverage, we recommend:

How To Verify Your Insurance Coverage

Understanding insurance coverage can be time consuming and complicated, which is why we offer a free insurance verification service to help you understand what is covered under your plan.

Steps to Verify Your Insurance Coverage with Us

To begin the verification process, simply submit your insurance details through:

  • Our online insurance verification form 
  • Calling our billing team at (718) 598-4019
  • Providing details in person at your appointment

Our specialists will reach out to your insurance company to check:

  • Which services are covered under your plan
  • Co-pays, deductibles, and out-of-pocket costs
  • Authorization requirements for certain treatments
  • Coverage for lab testing and diagnostic work

Once we receive the details from your provider, we will:

  • Explain what is covered and what is not
  • Provide a breakdown of estimated costs for uncovered services
  • Discuss payment options if necessary
Health insurance

Why Use NYSHIP Insurance
For Our Services?

If you have any questions about your coverage, contact our billing team at (718) 598-4019 for assistance.

HSA

Flexible Payment Options

At Circle Wellness, we believe that everyone should have access to high-quality, personalized healthcare. 

We understand that not all services are covered by insurance, so we offer a range of flexible payment options for non NYSHIP members  to help you manage costs without compromising your health.

Payment Options Available

  • Many of our patients use HSA and FSA funds to pay for lab work, treatments, and wellness services.
  • Check with your employer or plan provider to confirm eligibility for Functional Medicine and holistic treatments.
  • We offer customized payment plans for patients who need financial flexibility.
  • Our team will work with you to create a plan that fits your budget and healthcare needs.

We accept all major credit cards, debit cards, checks, and cash for services not covered by insurance.

How We Help Make Healthcare Affordable

If you need assistance choosing the best payment option, our billing specialists are happy to help.
Contact us at (718) 598-4019 to discuss your options.

Out-of-Network Patients & Reimbursement

If Circle Wellness is not in-network with your insurance provider, you may still be eligible for reimbursement under your plan’s out-of-network benefits. Many insurance companies allow patients to receive care from out-of-network providers and then submit a claim for potential reimbursement.

How Out-of-Network Reimbursement Works

Will My Insurance Reimburse Functional Medicine Services?

Some plans offer partial reimbursement for medical visits, lab work, and diagnostic tests. Most plans do not reimburse for preventative or holistic treatments (Acupuncture, IV therapy, Aesthetics). The best way to find out is to contact your insurance provider directly.

How We Assist with Reimbursement

If you have questions about out-of-network reimbursement, contact our billing specialists at (718) 598-4019 for assistance.

Reimbursement

Got a question?

Frequently Asked Questions

Coverage depends on your specific insurance plan. Some aspects of Functional Medicine, such as lab tests, medical consultations, and certain treatments, may be covered, while others, like nutritional counseling, IV therapy, and aesthetics, may not be. We recommend using our free insurance verification service to check what’s covered.

Yes! Many of our patients use HSA or FSA funds to pay for Functional Medicine services, lab work, and supplements. Check with your plan administrator to confirm eligibility.

We offer flexible payment plans, financing options, and out-of-pocket pricing to ensure that you can receive the care you need, even if insurance doesn’t cover it.

We recommend contacting your insurance provider directly to ask about coverage for advanced diagnostics. Additionally, we offer free insurance verification and can check for you.

Yes, we offer customized payment plans to help make treatments more affordable. Contact our billing team to discuss options.

We provide detailed Superbills that you can submit to your insurance provider for potential out-of-network reimbursement.

We accept credit cards, debit cards, HSA/FSA payments, checks, and cash

You can:

  • Call your insurance provider to ask about coverage for specific treatments
  • Use our free insurance verification service for a detailed breakdown of benefits
  • Speak with our billing team to go over your options
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Still Have Questions?
We’re Here to Help!

If you need clarification on coverage, payment options, or reimbursement, our billing specialists are available to assist you.

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