Hi5: Choose Hospitals from our Medical Network

Locate a hospital near you where you can get cashless hospital visits.

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, deductible 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.

For out of network providers: If you visit a healthcare provider that doesn't offer direct billing, please pay for your medical expenses upfront. You can then submit a claim to us along with the necessary documentation for our review.