This is a plain‑language overview. You’ll receive a full Financial Agreement and, if applicable, a Medicare ABN to review and sign before starting care.

Sessions and Payment

• Sessions should be used within 12 months of purchase.
• Payment is expected at the time of service unless we’ve made other arrangements in writing.

Out‑of‑Network & Reimbursement

• Utility Health, PLLC is out‑of‑network with all commercial health plans.
• If you have out‑of‑network benefits, we can provide an invoice for you to submit to your insurer at your discretion.
• You’re responsible for checking your own benefits, deductibles, and any required referrals or pre‑authorizations.

Wellness & Fitness Services

• Most commercial plans and Medicare do not cover wellness or fitness services.
• We’ll provide a receipt upon request; you’re responsible for making sure use of HSA/HRA/FSA funds complies with IRS and plan rules.

Packages & Refunds

• Single Concierge Sessions are non-refundable once delivered.
• If after the first 2 sessions you genuinely feel this isn’t a fit, tell me and I’ll refund the remaining program fees or convert them to a single‑session rate, your choice.
• 12-Week Packages – If requested in writing, full refund if no sessions used yet, or converted to credit for other services.
• 12-Week Packages – If requested in writing, charge for sessions delivered at the package per‑session rate, refund for the unused portion of the package or converted to credit for other services. 
• Annual Subscriptions – Charges already processed are non‑refundable. 
• Annual Subscriptions – Unused sessions in a billing cycle can be rolled forward once (up to 60 days), then expire if unused. 

HSA/HRA/FSA

• We accept these for medically necessary services.
• For wellness or fitness services, consult your plan and tax advisor; we cannot guarantee eligibility.

Medicare & Medicare Advantage

• We do not bill Medicare or Medicare Advantage through Utility Health, PLLC, and services provided here are not intended to be submitted to Medicare or MAPs.
• If you wish to use Medicare or MAP benefits, you should seek care from a provider who bills those plans directly.
• As a condition of being seen here, you agree to pay privately and not submit our invoices to Medicare or Medicare Advantage for reimbursement.

Cancellation Policy

• We require 24 hours’ notice to cancel or reschedule.
• Late cancellations or no‑shows may be charged up to the full session fee.

Privacy & Records

• If you pay privately at the time of service, we will not disclose your records to your health plan or Medicare unless you later authorize us in writing.

For full details, including appeals and service termination policies, please refer to the Utility Health Financial Agreement you’ll receive before beginning care.