INSURANCE AND BILLING

Our team is happy to verify your benefits and explain any out-of-pocket costs before your visit.

DO YOU WANT TO KNOW IF WE ACCEPT YOUR INSURANCE?

PLEASE CALL OUR CLINIC AT 903.488.CARE.

Insurance plans Includes but not limited to:

Traditional Medicare

BCBS

Aetna

United Health Care

CHAMPVa
Curative
Ambetter Superior Health

If your plan is not listed, please contact us — we may still be in network or able to accept your insurance.

Looking for care without insurance billing or hidden cost? Luckycharm Primary Care offers a Direct Primary Care membership for patients who want simple, predictable access to their physician. To learn more, visit our DPC Program Page.

PAYMENT POLICIES

Copays and deductibles are due at the time of service.

We accept all major credit/debit cards, HSA and FSA cards, and electronic payments.

Self-pay rates are available for uninsured patients

Outstanding balances must be paid before scheduling future non-urgent visits.

BALANCE BILLING TRANSPARENCY

We are committed to upfront, honest communication about your healthcare costs.

Prior to any service that may incur additional charges, we will provide an estimate or guide you through your insurance’s coverage to the best of our abilities .

NEED HELP UNDERSTANDING YOUR INSURANCE?

Our staff is happy to assist with questions about:

Eligibility

Covered services

Prior authorizations

Out-of-network costs

We’re here to make your healthcare experience smooth, through every step of the way.

HSA & FSA

Paying with your HSA or FSA

We accept HSA and FSA cards for eligible care. Use this guide to see what typically qualifies at Luckycharm and what your plan may ask you to submit.

New in 2026

More people can use an HSA, and DPC now counts

Bronze and catastrophic Marketplace plans now qualify you to open and fund an HSA, and our $125/month DPC membership can be paid from it without affecting your eligibility.

Service	HSA / FSA	What to know
Direct primary care membership$125/month	Eligible	Qualifies under the 2026 HSA rules because it covers primary care only and stays under the $150/month individual limit.
Office visits, copays, deductibles & coinsuranceInsurance or self-pay	Eligible	Any amount you owe for medical care at our clinic.
Telemedicine visitsVideo visits	Eligible	Treated the same as an in-office visit.
Annual physicals & preventive screenings	Eligible	Routine checkups, screenings, and wellness exams.
Osteopathic manipulative treatment (OMT)Included with DPC	Eligible	Hands-on treatment for back pain, headaches, and other diagnosed conditions.
Medical weight management visits & labs	Eligible	When treating obesity or a weight-related condition your physician has diagnosed. Weight loss for general health alone does not qualify.
Prescription medications, including GLP-1sThrough your pharmacy	Eligible	Prescribed medications are eligible. Some plans ask for a Letter of Medical Necessity for weight-loss drugs.
Lab work & imaging at outside facilitiesPaid at the facility	Eligible	Bloodwork, X-rays, and other ordered tests.
APEX RF treatment for erectile dysfunction	May be eligible	Can qualify when it treats a diagnosed medical condition. Plans usually require a Letter of Medical Necessity.
EmpowerRF treatment for urinary incontinence or vaginal health conditions	May be eligible	Can qualify when it treats a diagnosed medical condition. Plans usually require a Letter of Medical Necessity.
Skin tightening & body contouring (Morpheus8)	Not eligible	Cosmetic procedures are not eligible under IRS rules.
Form completion & missed-appointment fees	Not eligible	Administrative fees are not medical care.

Option 1

Pay with your card

Use your HSA or FSA debit card at checkout, just like a credit card. It works for visits, copays, and the monthly DPC fee.

Option 2

Pay, then reimburse yourself

Pay with any card, then submit your itemized receipt to your HSA or FSA plan. HSA reimbursements have no deadline as long as you keep the receipt.

When needed

Letter of Medical Necessity

For weight management or RF treatments, your plan may ask for a letter from your physician. Ask Dr. Mbaraonye at your visit.

Keep an itemized receipt

Ask our front desk for one any time. It should show:

Patient name
Date of service
Provider
Service or membership period
Amount paid

Book an appointment Explore the $125 DPC membership

This guide reflects general IRS rules for health savings accounts and health flexible spending accounts as of 2026. Your plan's rules decide what it will pay or reimburse, so check with your plan administrator, and talk with a tax professional about your situation. Luckycharm Primary Care does not provide tax advice.