You may continue to use your out-of-network insurance plan. Payment for your office visit is due at time of service. A super bill for you to submit to your out-of-network insurance company is available for reimbursement.
Office Visit Fees
To facilitate your claim with your insurance company, you will be provided a completed super bill for you to submit to your insurance company as an “out-of-network” reimbursement. Please send all messages through your IHC portal.
Initial Office Visit
| 45 minutes $200 for children under 18 (code 99203) 60 minutes $300 for adult (code 99204) 90 minutes $330 for adult (code 99205)
|
Follow-up Visits
| 10 minutes $150 per visit (code 99212) 15 minutes $180 per visit (code 99213) 30 minutes $210 per visit (code 99214) 45 minutes $240 per visit (code 99215) |
Services Not Covered by Insurance
Allergy Treatment
| AAT Initial | $220 | ||
| AAT follow up for 1 treatment | $110 | ||
| AAT a series of 5 treatments | $550 | $450 when paid in advance save $100 | |
Thermogram
| Imaging and report | $210 | |
| Follow up in 4-6 months 20% discount | $168 | |
| May and October are Breast Health Awareness months, and the discounted price is $168 | ||
Hypervibe for Osteoporosis
Each session is approximately 20 to 30 minutes, depending on the program selected.
| Once a week | $40 |
| 2x a week | $30 per session |
| 3x a week | $20 per session |
Lab Testing
Quest Diagnostics will bill your insurance directly.
DirectLabs is for those individuals who have no insurance. This lab offers a discounted rate.
Specialty Lab Tests May Not Be Covered by Insurance
| · Genova Diagnostic | · Doctor’s Data | · Viome |
| · Genetic Directions | · Precision Pont | · Cologuard |
| · Dutch Test | · Genomind | · Thermascan |
| · Rupa Health | · Realtime Mycotoxin test | · And more |
Insurance Plans
as of April 6, 2023
At this time, the only in-network plans accepted are Anthem BCBS and United HealthCare Choice Plus.
Insurance Company | Copay | Deductible | Patient responsibility |
Anthem Blue Cross Blue Shield | May be found on your insurance card | As determined by | As determined by |
United Health Care Choice Plus |
All claims are processed through my billing company. Please check with your insurance company to be sure naturopathic physicians are covered under your policy.
Advantage Family Plan
Initial Office Visit | $300-$330 per adult family member; $200 for children under 18 | |||
Advantage Plan Individual | Five 30-min | May be used by any family member | 10% off supplements*
| $750 |
Full Price Follow-up Visits: 30 minutes $210 per visit or 45 minutes $240 per visit | ||||
*No discount on homeopathic remedies.
For your convenience, an end-of-year health expense report is available for tax purposes.
New! Concierge Plan
Initial Office Visit | $300-$330 per adult family member; $200 for children under 18 | |||
Concierge Plan | Twelve 30-min | May be used by any family member | 20% off supplements* | $1800 |
Full Price Follow-up Visits: 30 minutes $210 per visit or 45 minutes $240 per visit | ||||
For your convenience, an end-of-year health expense report is available for tax purposes.
*No discount on homeopathic remedies.
Payment plan and other considerations evaluated on individual financial considerations and hardships.
Frequently Asked Questions
Advantage Family Plan
The AFP is a short-term subscription plan for established patients or members of their family with Dr. Pram.
An established patient is someone who has completed their initial comprehensive office visit with Dr. Pram.
A comprehensive office visit for an adult is between $300-$330, and for children under 18, it costs $200.
You can choose between two payment methods:
• Subscription: $750 for five 30-min office visits, pay as you go $150 per visit.
• Pre-Payment: 10% discount when paid in full, $675/$135 per visit. Save $75.
Yes, telehealth visits via Zoom, FaceTime, WhatsApp, or telephone consult are billed as an office visit.
Yes, 30-45 minutes of individualized research at your request is billed as an office visit.
Yes, there is a 10% discount on all supplements except homeopathic remedies for the AFP.
No, there is no time limit as to when you can use your subscription.
No, there is no insurance submission for this plan.
Cash, check, credit card, and HSA are accepted.
The plan ends after 5 office visits.
Yes, if you decide to opt-out before the subscription ends, a refund for the balance will be available at the full, non-discounted rate.
Concierge Plan
The CP is a long-term subscription plan for established patients or members of their family with Dr. Pram.
An established patient is someone who has completed their initial comprehensive office visit with Dr. Pram.
A comprehensive office visit for an adult is between $300-$330, and for children under 18, it costs $200.
You can choose between two payment methods:
• Subscription: $1800 for twelve 30-min office visits, pay as you go $150 per visit.
• Pre-Payment: 20% discount when paid in full, $1440/$120 per visit. Save $360.
Yes, telehealth visits via Zoom, FaceTime, WhatsApp, or telephone consult are billed as an office visit.
Yes, 30-45 minutes of individualized research at your request is billed as an office visit.
Yes, there is a 20% discount on all supplements except homeopathic remedies for the CP.
No, there is no time limit as to when you can use your subscription.
No, there is no insurance submission for this plan.
Cash, check, credit card, and HSA are accepted.
The plan ends after 12 office visits.
Yes, if you decide to opt-out before the subscription ends, a refund for the balance will be available at the full, non-discounted rate.