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Benefit Verification Steps

How to Verify Insurance Benefits

Coverage and the associated benefits depend on your insurance plan. We encourage you to reach out to your insurance company to verify the details of your benefits to ensure coverage. It's important to note that there may be expenses tied to insurance usage, such as co-pays, coinsurance, and limitations on visits, for which you, as the client, will be accountable. Regardless of insurance coverage, we request that you provide a credit card for record-keeping purposes. Refer to the instructions below to assess your benefits.

Instructions for In-Network Benefits and Information You May Need

Information

Business Name: Love Food Nutrition, LLC

Provider Name: Elizabeth Sasso-Karelitsky

Provider NPI Number: 1912545112

Steps

1. Call your insurance provider's customer service line, which is usually located on the back of your insurance card. If you are insured through your employer, your HR department may be able to call on your behalf.

2. Ask to speak to the benefits and coverage department.

3. Let them know that the services will take place in New Jersey.

4. Ask if Medical Nutrition Therapy (MNT) and/or nutritional counseling is a covered in-network benefit for your plan.

  • The codes that would be used are 97802 and/or 97803

5. Ask them if coverage is dependent on your diagnosis.

  • Provide them with your nutrition-related diagnosis if applicable (examples listed below and can be obtained from your doctor):

  • Ask if there are any benefits for “preventative Z codes” such as

    • Z71.3 – Nutritional Counseling

    • Z72.4 – Inappropriate diet and eating habits

  • Eating Disorder Codes:​​

    • F50.81 – Binge Eating Disorder

    • F50.82  – Avoidant/restrictive intake disorder

    • F50.89 – Other Specified Eating Disorder

    • F50.9 – Eating Disorder, Unspecified

6. If applicable, ask if the policy provides benefits for Preventative Services.

  • This would apply for nutrition counseling services without a nutritional diagnosis such as diabetes, eating disorders, and hypertension, etc.)

7. Check for coverage for both "In-Office" and "Telehealth" visits.

8. Ask about coverage limits:

  • Number of visits allowed, etc.

9. Ask about out-of-pocket payments (copay, deductible, coinsurance, out-of-pocket max, etc.)

10. Be sure to document the following information before you hang up:

  • The date of your call

  • All important information from the call

  • Call reference number

  • Name of the representative that you spoke with

If possible, ask the insurance provider to send you the information in writing. Make sure that Love Food Nutrition will be covered.

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