Pricing & Insurance Information

Understanding healthcare costs can feel overwhelming—especially when insurance, deductibles, and copays are involved. At ECS Wellness, we believe in clear, upfront communication so you know what to expect before your visit.

This page explains how pricing works, what insurance plans we accept, and why you may receive a bill, helping you make informed decisions about your care.

If you ever have questions, our team is always happy to help.

Do You Accept Health Insurance?

ECS Wellness is an integrative and wellness medicine practice contracted with multiple health insurance providers, including Medicare and MassHealth.

When you visit ECS Wellness, your provider treats your presenting symptoms and medical conditions. Your visit is billed to your insurance based on medical decision-making and federal billing guidelines. Your insurance company then determines what portion they cover and what, if anything, you may owe.

Health Insurance Plans We Accept

We currently accept the following insurance providers:

Accepted Insurance Plans

Blue Cross Blue Shield
Harvard Pilgrim Health Care
Tufts Health Plan (now part of Harvard Pilgrim)
Mass General Brigham Health Plan
Medicare & many Medicare Advantage plans
Cambridge Health Alliance (CHA)
UnitedHealthcare
Cigna
Wellpoint
Senior Whole Health
Multiplan
MassHealth (WellSense, MGB ACO)

Not Currently Accepted

Please note: We do not accept the following insurance plans:

👉 Coverage varies by individual plan. We strongly recommend confirming benefits directly with your insurance provider before your appointment.

Why Did I Receive a Bill If You Accept Insurance?

We work hard to minimize unexpected charges, but there are situations where you may receive a bill through MGB Patient Gateway, including:

Your plan requires a PCP referral, and it was not on file at the time of your visit

Your deductible has not yet been met

Your plan includes co-insurance

Incorrect or outdated insurance information was on file

A billing or processing error

If you receive a bill and have questions, please contact the MGB Billing Department at 857-282-0300 as soon as possible for clarification.

Understanding What You May Owe

Healthcare billing terms can be confusing. Here's a simple breakdown:

Copay

A fixed amount you pay at the time of your visit, usually ranging from $20–$75 for a specialist, depending on your insurance plan.

Coinsurance

A percentage of the visit cost (for example, 20%) that you pay after meeting your deductible. Your insurance pays the remaining amount.

Deductible

The amount you must pay out of pocket before your insurance begins covering services. Deductibles are often higher for plans with lower monthly premiums.

Referral Requirement

Some plans (especially HMOs) require a referral from your Primary Care Provider (PCP) before seeing a specialist. If a referral is required and not received, you may be responsible for the full cost of the visit.

HMO vs PPO Plans

HMO Plans

PPO Plans

Special Notes for Medicare & MassHealth Patients

MassHealth/Medicaid

MassHealth/Medicaid plans do not require copays

Medicare Patients

Medicare patients are responsible for their deductible only

Secondary Insurance

If you have secondary insurance, it may cover costs not paid by Medicare

How to Check Your Insurance Coverage

If you're unsure about your deductible, coinsurance, or copay:

Look at your insurance card

Your card contains important plan details and contact information.

Call the member services number listed on the back

Customer service can provide specific details about your plan.

Ask about:

This information helps avoid surprises and ensures a smoother visit.

Frequently Asked Questions

Still Have Questions?

What should I do if my insurance isn't listed?

Contact our office directly to discuss your options. We may be able to see you as a self-pay patient or help you navigate other coverage options.

How do I get a referral from my PCP?

Contact your Primary Care Provider’s office and request a referral to ECS Wellness for integrative medicine services. They will submit the referral directly to us.

Can I pay out of pocket if I don't have insurance?

Yes, we offer self-pay options for patients without insurance. Contact our office for more information about pricing and payment plans.