Insurance FAQs
Understanding your health insurance is essential for making informed healthcare decisions and maximizing your benefits. At Live Well Psychiatry, we are in-network with all major Idaho healthcare insurance plans, as well as several out of state plans. We also have deeply discounted rates for patients who would like to pay without using insurance (self-pay).
Which Insurances Are We In-Network With?
Find out the insurance companies that we are in-network with.
How Do I Find Out If Live Well Psychiatry is In-Network?
Every insurance plan is different. Here are some tips to learn about your benefits.
Health Insurance 101
Confused about your health insurance? Here are some good resources to understand how health insurance works.
Which Insurances Are We In-Network With?
*Our office does NOT accept Medicare or Medicaid
When you hear that a healthcare provider “accepts” a specific insurance, it usually means that they are an in-network provider with that insurance. When a healthcare provider is in-network with an insurance carrier, it means that the provider has a contractual agreement with the insurance company to provide medical services at pre-negotiated rates.
Visiting an out-of-network provider, on the other hand, may result in higher costs, as the insurance company might cover a smaller portion of the bill or none at all. Always check your insurance company's provider directory or member portal to confirm if a provider is in network before scheduling an appointment.
Every insurance provider has several different plans. We recommend reaching out to your insurance to verify that our providers are covered by your specific plan. Live Well Psychiatry is in-network with the following insurances:
Aetna-PPO, Trinity
Allegiance Benefit (Not if it’s Woodgrain SAHS)
Allied Benefits – Only if Aetna is on the card
Blue Cross-Connected Care
Blue Cross Federal - has to see SPH or Steve for eval
Blue Shield - Commercial (UUG- Univ of Utah - will show at top of card)
Boon-Chapman Administrators
ComPsych - uses BC ID# HWD *Employer is: Hewlett Packard – can only see Dr. Hoopes and Joana PA-C
Employee Benefit Management Services (EBMS)
First Choice Health Network
Health Management(HMA)
Meritain Health
Moda – Will have ‘Select’ on the card (any others we are out-of-network)Mountain Health Co-Op-SAHA, St Lukes Engage/Link
Pacificsource- SLHP, Oregon plan - except Smart Alliance plan
Regence Group Administrators (RGA)
Select Health-SLHP, St Al’s out-of-network w/ following Plans: Med, Utah, Value (will show on front of card)
Trustmark
WebTPA
* If you have Medicare, and you still want to be seen at our office, you will be required to sign an Opt Out form, provided by the office and become a self-pay patient.
Which Insurances Are We Out-of-Network With?
*Our office does NOT accept Medicare or Medicaid*
While we are not in-network with these insurance companies, we may still be able to bill them. However, we are unable to be aware of what they will or will not pay for. If we are not in-network with your insurance, please reach out to them to find out if they will cover any of your appointments with us. Many of them we will not be able to bill because they will not accept claims from us. They may accept claims from you though. You will need to ask them to verify.
This list is not exhaustive. Live Well Psychiatry is out-of-network with the following insurances:
Allegiance (Woodgrain SAHS)
Unified Life
Allied Benefit Systems University of Utah
Allied National Global
Value Options
All Savers(United)Assurant Health
Auxiant(IPN)
Beacon Health
Benefit Administrative System
Bind
Cigna(All Plans)
DMBA
Educator’s Mutual
First Health
GEHA
Gilsbar
Group and Pension
Health Plans
Health 2 Business
HMA- through First Health
Humana
Magellan- alpha prefixes ZGN, LWE (Lowe’s)
Motivhealth
Moda
Pacificsource-Smart Alliance
PHCS
Providence
Select Health Med
Select Health- Utah
Select Health Value
S & S Strategies
Shasta Administrative Services
Sierra Health & Life
Tricare (All Plans) – We will send claim in; pt will be billed the allowable rate
UMR
United HealthCare
United Health Integrated Services (UHIS)
* If you have Medicare, and you still want to be seen at our office, you will be required to sign an Opt Out form, provided by the office and become a self-pay patient.
How Do I Find Out If Live Well Psychiatry is In-Network With My Insurance?
Unfortunately, we are unable to provide contact information for all the different health insurance companies. If you are looking for information on your insurance, please reach out to them.
You can call the phone number on your insurance card to verify provider coverage. While speaking with your insurance customer service, using the following terminology may help save time:
Does my plan cover “out-patient mental health” services?
Are my out-patient mental health services through you or another company? ex: Hewlett Packard employees usually have Blue Cross insurance but their mental health goes through ComPsych
Is Live Well Psychiatry an in-network provider with my plan?
Some insurance companies will need to verify each provider. Our providers are: Scott Hoopes MD, Joana (Gladys) Gonzales PA-C, Crystal Odegard PA-C, Jennifer Hua PA-C, Kristin Hawkins PA-C, Steve Barnum FNP-C.
What will be my co-pay or co-insurance with Live Well Psychiatry?
Additionally, many company websites have search areas where you can look up in-network providers. And finally, most insurance companies offer online member portals where you can:
Find in-network providers
View plan details
Check claim statuses
Request or print ID cards
Here are the member portals for some common insurance providers in Idaho:
Regence BlueShield of Idaho
Member Portal: Regence Member Portal
Access Instructions:
Visit the member portal link above.
Click on "Sign In" at the top right.
Enter your username and password.
If you're a new user, click "Register" to create an account using your member ID.
Mountain Health CO-OP
Member Portal: Mountain Health CO-OP Member Portal
Access Instructions:
Navigate to the member portal link above.
Click on "Member Login" and enter your username and password.
To create an account, click "Register" and provide the required information.
Blue Cross of Idaho
Member Portal: Blue Cross of Idaho Member Portal
Access Instructions:
Visit the member portal link above.
If you already have an account, click "Log In" and enter your credentials.
If you're new, click "Register" to create an account. You'll need your member ID number, which is on your insurance card.
SelectHealth
Member Portal: SelectHealth Member Portal
Access Instructions:
Go to the member portal link above.
Click on "Member Login" at the top right corner.
Enter your username and password to log in.
If you don't have an account, click "Register" and follow the prompts to set up your account.
PacificSource Health Plans
Member Portal: PacificSource Member Portal
Access Instructions:
Navigate to the member portal link above.
Click on "Log In" and select "Member" from the dropdown.
Enter your username and password.
To create an account, click "Register for an Account" and provide the necessary information.
Health Insurance 101:
Understanding your health insurance is essential for making informed healthcare decisions and maximizing your benefits. Let's break down the key components and provide resources for accessing your insurance information.
1. Key Components of Health Insurance
Premium: The amount you pay, typically monthly, to maintain your health insurance coverage.
Deductible: The amount you pay out-of-pocket for covered healthcare services before your insurance begins to pay.
Copayment (Copay): A fixed fee you pay for specific services or prescriptions, usually at the time of service.
Coinsurance: The percentage of costs you share with your insurance after meeting your deductible. For example, with 20% coinsurance, you pay 20% of the service cost, and your insurance covers 80%.
Out-of-Pocket Maximum: The maximum amount you'll pay during a policy period (typically a year) before your insurance covers 100% of covered services.
2. Accessing Your Benefits
Most insurance companies offer online member portals where you can:
View plan details
Check claim statuses
Find in-network providers
Request or print ID cards
3. Utilize In-Network Providers
Insurance companies have agreements with certain doctors, hospitals, and clinics, known as "in-network" providers. Using in-network providers usually means lower costs for you. You can find in-network providers through your insurance company's member portal.
4. Understand Covered Services
Not all medical services are covered under every plan. Commonly covered services include:
Preventive care (e.g., vaccinations, screenings)
Doctor visits
Hospital stays
Prescription drugs
Always check your plan details to understand what's covered and any associated costs.
5. Keep Track of Your Medical Expenses
Maintaining records of your medical expenses helps you:
Monitor your progress toward meeting your deductible
Identify any billing errors
Prepare for tax purposes if you have a Health Savings Account (HSA)
6. Don't Hesitate to Ask Questions
If you're ever unsure about your coverage, benefits, or how to access services, contact your insurance company's customer service. They're there to help you navigate the complexities of your plan.
Remember, understanding your health insurance is key to making informed decisions about your healthcare. And while it may not be the most thrilling topic, a little knowledge can save you a lot of headaches—and money—in the long run.
Here are some additional resources to help you understand health insurance:
Understanding Your Health Insurance Costs | Consumer Reports
Description: This video helps viewers comprehend the different costs associated with health insurance, including premiums, deductibles, and out-of-pocket expenses.
Health Insurance Explained – The YouToons Have It Covered
Description: This animated video simplifies health insurance concepts such as premiums, deductibles, and provider networks.
Link: YouTube