What happens if I am covered for items and you are not in my network? 

Generally, if we are an out-of-network provider, we encourage our guests to contact their insurance to see if they will allow this particular purchase to be covered at an in-network level.  Insurance companies call this a preauthorization or a network gap exception.

A network gap exception is a tool health insurance companies use to compensate for gaps in their network of contracted health care providers. When your health insurer grants you a network gap exception, also known as a clinical gap exception, it’s allowing you to get health care from an out-of-network provider while paying the lower in-network cost-sharing fees.

You will still need to meet your deductible and pay for any co-insurance amounts, and may be requested to pay these at time of service.