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Are the consultations covered by my insurance company?

Consultations with Paloma Health doctors are covered by insurance. We accept most major insurers. Your form of payment will not be charged until the amount of your co-pay is confirmed with you by a Paloma representative.

In the case that we are not in-network, we can provide a super bill to and you may work with our partner reimbursify.com to submit for out of network reimbursements.


Want to know if we accept your insurance? Take this quiz: 

Are the test kits covered by my insurance company?

This is an at-home health test that doesn't require an office visit. Unfortunately, most health insurance companies do not cover the cost of these at-home blood tests. However, Paloma Health's tests are typically priced lower than out-of-pocket costs associated with such visits.

As always, this will depend on your own coverage but we encourage you to check with your insurance company to see whether they will cover all or some of the cost of our at-home thyroid test.

When discussing coverage, it is important that your carrier understands specifically what the test is and what it is testing for. Be sure to mention the following key points:
- The test is taken at home via a blood sample and analyzed by our partner laboratories
- The test measures: TSH, Free T3, Free T4, Anti-TPO Antibodies
- The report measures the above markers and reports on whether they are high, low, or within the normal healthy range.

Is the medication covered by my insurance company?

Your prescription will be send to your preferred pharmacy where you should only pay your copay. The cost of your copay depends on your plan.

Can I use my HSA/FSA account to pay for a test?

In most cases, you can use your HSA/FSA account to pay for your at-home thyroid blood test. Your Paloma Health test is authorized by a physician, so it should fit the guidelines for most HSA/FSA coverage.

Your Paloma Health test kit purchase can be submitted for reimbursement through HSA/FSA benefits. As always, be sure to check with your specific HSA/FSA benefits coordinator for clarification on the specific requirements for reimbursement including usage, protocol, and qualifications.

Do most health insurance companies cover these tests?

This is an at-home health test that doesn't require an office visit. Unfortunately, most health insurance companies do not cover the cost of these at-home blood tests. However, Paloma Health's tests are typically priced lower than out-of-pocket costs associated with such visits.

What are typical lab costs and how transparent is lab pricing normally?

For traditional tests, there are usually fees associated with an office visit (physician costs), as well as the lab.

Pricing is typically very complicated and not transparent for the consumer. The pricing will vary (sometimes dramatically) by laboratory, institution, test type and markers checked, your personal insurance coverage, and more.

Clear communication of pricing like Paloma Health’s is quite rare within testing and we can’t speak to what your own tests within a lab environment may end up costing out of pocket.


Are there online tools or apps that I can use to check for my coverage for any one test?

Not that we’re aware of but we’d love to learn about one if you find it! Most tools for checking insurance coverage are insurance-operated and apply specifically to physician-ordered tests.

As mentioned above, the absolute best way to check on your own coverage is to call or email your insurance company directly to discuss your personal options.

Companies like Reimbursify.com can help you to file your claim manually for you.

How do I contact Paloma?

For any compliments, complaints, or questions, contact our exceptional customer service team at contact@palomahealth.com.

Are you enrolled in Medicaid?

Paloma Health is not currently enrolled with Medicaid plans. Any orders sent to Medicaid beneficiaries may be subject to approval from Medicaid and is the patient's responsibility.

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