We take your credit card number when you register. (We use an ultra secure billing service. We do not keep your credit card number on file.
Neither Healing Oceans nor Dr. Ginsburg participate in Medicare or Medicaid. Patients who are enrolled in them cannot be reimbursed by those programs for seeing Dr. Ginsburg, and must sign an affidavit of accepting this.
This means we are “out of network” for your insurance reimbursement. We do not accept their decision about how long the doctor should spend with you to address your issues, nor how much money they think it is worth.
(Insurance companies usually allow big dollars for surgery and drugs, but much less to figure out and address root problems. Dr. Ginsburg’s rates are among the most reasonable in the region for the work she does, but she spends more time with patients than most insurance companies allow.)
Your visit will be covered by your insurance plan if it covers out of network visits. The amount that is covered is affected by two things:
Separating from the craziness of insurance plans was a difficult decision for Dr. Ginsburg because it would leave some of her patients without coverage to see her. Committted to being accessible by as many people as possible, she sets her rates where they are and created the membership plans described below for very young children.
She writes about the things she considered in making her decision, concluding it was something she must do.
Our rates are within the “reasonable and customary” guidelines used by the insurance companies.
(For the nutritionist’s rates, click here.)
Type of Visit
60m to 80m
$300 to $400
|Initial Visit for ASD|
(Autism Spectrum) patients
80m or more
All patients receive an account on an online portal that gives:
|Well Woman Visit|
This is much more than most doctors do in a GYN exam, and includes pap, breast exam, complete health review, and plan for ongoing health maintenence/improvement).
|Well Teen Visit|
|Well Child Visit|
Follow Up Visit
May run longer depending on complexity and amount of information to distill.
40m to 60m
$200 to $300
|Follow Up Visit for ASD|
40m to 80m
$200 to $400
Related to illness or other urgent issue.
40m to 60m
$200 to $350
These changes are rooted in a new understanding of the impact of certain foods, of how to build a diet that meets your nutritional needs, of a new awareness of food sensitivies you might not have suspected, of toxins in your body, paths to weight loss, etc.
Once you’ve met with her, her support continues to be available (in person or by phone,) to move you forward at your own pace.
Regarding insurance coverage for her, please click here.
|Type of Package:|
|Initial nutrition visits||60 min. est.||$150|
|Subsequent nutrition visits|
40 or 60 min
If you have any kind of managed care plan like an HMO or PPO), most likely you are required by them to have all your lab testing done at a laboratory and testing company that has a contract with your plan.
Unfortunately, no laboratory company performs every test.
Also, holistic medicine today uses tests that other doctors (and insurance companies) often do not know about or understand. They use these tests to obtain more or different kinds of information than the conventional tests. One group of such tests is called functional testing, which report on the changes in a body over time, like a movie, instead of just the state at a particular moment (i.e. conventional blood test), which is more like a simple photograph.
For more on this, click on functional medicine testing.
What this means is that there are some tests you will have to pay for out of pocket. This happens regardless of how important you or the doctor think the test is. We have all heard the stories of patients having to legally fight their insurance company to pay for expensive tests that are covered under their policy.
The insurance company will still say that they pay for anything your doctor recommends be done, as long as it’s medically necessary. But that’s the catch. They get to decide what is medically necessary, not the doctor.
There is an exception:
If you have out-of-network benefits, usually you will get reimbursed, at least partially.
Never covered by anybody:
Insurance will also not reimburse for any non-prescription treatment, including vitamins, minerals, herbs, nutrients, digestive aids, etc., regardless of how helpful they may be.
Lastly, insurance will also not pay for certain types of therapies, even if there is a ton of evidence that they will help your condition. Included in this list is acupuncture, massage, classes on stress management, rolfing, homeopathy. Many more.
Medicare does not use one particular lab. (There are only a few lab companies.) And they only cover certain tests, even if they are done in the labs they like.
Again, it does not matter what the doctor thinks will be beneficial to you, and it does no good to ask them. This system was designed by the insurance companies themselves. They are simply non-covered services to the insurance company, and the company prospers by finding ways to not pay.
Payment is made at the time of the visit.