Choice of Medical Facilities
You are entitled to choose any accredited medical facilities you prefer. If you do not wish to pay upfront for your medical treatment, we recommend that you choose one of the medical providers (i.e. hospitals/clinics) in our network.
To provide a seamless experience for LUMA members, we have established a preferred medical network of Hospitals and Clinics with direct billing. Direct billing is a cashless service allowing LUMA members to check-out without upfront payment of their treatment.
Note that providers in LUMA's Medical Network simply facilitate the billing process by sending your medical bills directly to us for review and payment.
It's crucial to understand that direct billing providers cannot define or confirm if a specific treatment is covered under your health plan. Factors like policy exclusions, underwriting terms, benefit limits, deductibles and co-payments may result in charges not being covered by your insurance. In such cases, you may be billed directly by the healthcare provider. If we've already paid a claim on your behalf and it turns out to be ineligible, we may seek recovery from you.
Consult LUMA Medical Network.
Credit card imprint may be required in some major hospitals.
For out of network providers: If you visit a healthcare provider that doesn't offer direct billing, please pay your medical expenses upfront. You can then submit a claim to us along with the necessary documentation for our review.