TABLE OF CONTENTS


Can I use insurance to pay for my Plume membership?

Plume members based in select states with certain commercial insurance policies may be eligible to use their insurance to get a reduced out-of-pocket cost for a Plume membership. Check out the table below to see if you may be eligible. Reach out to your Care Team in Spruce with any questions or email us at members@getplume.co. 


Other than active members with eligible insurance policies, we do not currently accept insurance for our monthly fees. We are working to provide this option soon and will provide updates as coverage expands.


Who is eligible for using insurance?

Plume members in selected states with eligible insurance plans may qualify for a reduced membership rate. See below for more details.


State
Insurance 
AlabamaAetna
ArizonaAetna
Cigna
CaliforniaAetna
Colorado
Aetna
Florida
Cigna
GeorgiaAetna
Cigna
Humana
IllinoisAetna
BCBS IL
Cigna
KentuckyCigna
Maine Aetna
Anthem
MarylandCigna
MassachusettsAetna
Cigna
MichiganAetna
MissouriAetna
Cigna
North Carolina
Aetna
BCBS
Cigna
OklahomaCigna
OregonCigna
PennsylvaniaAetna
Cigna
TennesseeAetna
Cigna
TexasCigna
WisconsinCigna


If we don’t currently take your insurance, please stay tuned. Our goal is to accept most commercial health plans in a majority of the states by the end of the year, pending approvals.


I'm a new member, how do I submit my insurance information?

First, you will fill out the Get Started questions seen below. You will have the opportunity to select your insurance package and enter your policy information during sign-up if you are located in one of our eligible insurance states. 



If you are located in one of our insurance eligible states, you will see one of the following questions included in the Get Started form.


You will then be brought to a screen to select your service package and enter your contact, payment, and insurance information.



I'm a current member, how do I submit my insurance info?

If you are currently an active Plume member, reach out to your Care Team in Spruce and we will send you the insurance form. Once you complete the form we will confirm your eligibility.


How does Plume bill my insurance?

For eligible insurance members — after a video visit with one of our providers, Plume will submit a claim with necessary details to the payer, aka your insurance company, for processing. The insurance company will assess our claim to determine how much they will pay. In order to submit this claim, we will use a secure, industry standard process requiring us to include your contact information, dates of service, and various diagnostic and procedure codes (the same way a doctor you may have seen submits a claim). The insurance company will send a form back to Plume explaining how and when the claim was paid. You will also have access to this information through your insurance company's portal in the form of an Explanation of Benefits. The explanation of benefits will explain how your insurance company paid the claim.


How much is a membership with insurance? 

Eligible members will pay $32 per month out of pocket for their membership + co-pays for any virtual appointment with your provider . 


How do I pay my copay?

For members using eligible insurance to reduce membership cost, you will receive an automated email with a digital statement and instructions on how to pay. 


When will I need to pay my copay?

A copay will be required for all video appointments with your provider, such as your initial intake appointment and all follow-up appointments. 


My insurance denied the claim from Plume, what do I do?

We will recheck eligibility on the date of service for anyone using their insurance to ensure your insurance is active. We will also check on a monthly basis, but the most important check is the day of service. If for some reason your insurance coverage was no longer available the day of scheduled service, we simply would not submit a claim for that service, and your membership would revert back to the standard out-of-pocket amount of $99.


I have a question about my insurance billing, what do I do?

Please reach out to the Care Team in Spruce or at members@getplume.co with any questions and concerns.


Does Plume charge a copay or expense member per visit line item?

While we do not waive patient responsibility to pay for any medical expenses their insurance does not cover, we are not charging copay or billing visit expenses per line item. 


I don't see Plume on my Explanation of Benefits (EOB).

If you are enrolled in a $32 insurance package with Plume and you do not see a Plume related claim in your Explanation of Benefits, it is likely that we have not yet filed the claim. Please allow up to 120 days for the claim to appear. Any questions can be sent to your care team via Spruce or by emailing us at members@getplume.co.


Can I use an HSA or FSA to pay for my Plume membership?

Yes, Plume membership is eligible for Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) spending. You can use your HSA/FSA-issued credit card as your payment method for Plume. We can also provide a detailed invoice for each of your monthly payments to submit to your insurance for reimbursement. While we cannot guarantee they will accept your submission, we are more than happy to assist in providing documentation of membership payments. You may also use your HSA or FSA account to help pay for the cost of your medication. Check with your insurance provider if you have questions about what they will cover.