Billing & insurance
Payment methods, insurance, refunds, and understanding your bill.
Understanding My Bill
BlueSleep is in network with most health insurance plans (Cigna, Aetna, Oxford, United, Emblem, Blue Cross, Oscar, Medicare, 1199, 32 BJ, and more). Telemedicine visits, sleep testing and oral appliance treatments are covered by most medical insurance for patients who are diagnosed with sleep apnea and are symptomatic. Coverage does vary according to insurance plans. Your financial responsibility includes your co-pay, deductible, and co-insurance. When you have been prescribed sleep testing and treatment by our staff, we contact your health plan for preauthorization and determine any out-of-pocket expenses. If you don’t have insurance, check out our Pricing page.
Up to 1 business day prior to your visit.
We recently received an explanation of payment (EOP) from your health plan. We have placed a copy of this notice in your BlueSleep portal for your secure access. Based on a review of your health plan's explanation of payment (EOP) and a review of your account, there is a balance due for your portion of the medical bill.
If your health plan has your correct address and email, your financial responsibility should be available on your health plan's portal, or you should have received an EOP in the mail from your health plan explaining what they paid, and what you need to pay.
We realize that medical payments can be confusing. We recommend that you contact your health plan, your employer, or your health plan broker, for an explanation. Almost all health plans require their members (patients) to pay a portion of the bill - this may be in the form of a copayment which is due at the time of the visit and collected, if you have a valid credit card (or FSA,, or HSA card) on file. In some cases a coinsurance (a percentage of the visit fee that you need to pay), or a deductible ( a fixed amount that you must pay before the health plan pays any of the visits fees) will be required. The payments are not based on our fees, but rather based on the health plan fees which are usually a fraction of our fees.
The balance is charged to your credit card because our financial policy requires payment of your portion of the visit fees (according to your health plan) when we receive the EOP. Note that insurance companies often delay sending the EOP by many weeks, or many months after your consultation, your sleep test, or the delivery of your oral appliance.
We are as frustrated as you are that the health plans are so slow to pay. Please understand that we have not been paid during the long time interval since we provided the service.
In some cases health plans pay for the services, and months later deny the payment and require that we refund the amount they have paid for the services. In most cases, this is because of a terminated insurance policy at the time of the visit, but in other cases, it may be because they have decided after a review of your medical records that they are not required to pay for the services - and describe the care as “not medically necessary” - according to their standards. This usually leads to resubmission of your medical records, and in some cases a discussion with members of their team - which further delays payment, and sometimes ends in a final non-payment. At this point, the balance remains your responsibility.
According to our records, you received a home sleep test and did not complete the test within a one month period from the time you received the home sleep test device. We attempted to contact you multiple times to inform you to either complete the test or return the unused device. We charge $80 to cover the cost of the device which you did not use or return to BlueSleep.
You were likely charged a no-show fee for missing your appointment or not rescheduling your appointment within 24 hours of canceling your appointment. Other patients were waiting to see our providers, and we were unable to schedule their visit because you did not cancel on time. Be considerate of others, and make sure to email us at [email protected] at least 24 hours before your scheduled appointment to avoid the $150 no-show fee.
Go to www.bluesleep.com to register/log in to your account. Once logged in, make sure a Valid payment method is up to date on your portal. Our Billing department will send you a notification through the portal, with the details of your Insurance response and Patient responsibility. You will then see your card on file charged for the service. For any charges over $200, the Billing Team will call the patient for authorization to charge a card.
We take most major Insurances. Please contact your Insurance to see if our providers are in your network. Licensed in NY, NJ, FL, CA, TX, VA.
You can contact your Insurance provider to get information specific to your plan for specialist visits.
Simple answer is No. Insurance providers require doctors to collect copays, deductibles, co-insurance and out-of-pocket costs according to your insurance plan contract.
The EOP is an explanation of your health plan’s payment to us for services that were rendered. In many cases, health plans pay our claims up to 3 or more months late, so you may be seeing a charge for a service or home sleep test rendered several months ago. In some cases, disputed claims (the health plan delays payment or denies payment) require more than 6 months to be paid - in some cases a year. Our billing team works hard on these claims to make sure the health plan's responsibility is paid and to avoid having you pay the claims out of pocket.