INSURANCE Information
Below, you’ll find detailed information about insurance submission, requirements, and responsibilities for both in-network and out-of-network coverage.
Medical Insurance Overview
Permanent hair removal is increasingly recognized as a medical necessity by many insurance companies. We encourage all clients to contact their insurance providers to verify if their plans cover permanent hair removal for the face, body, or surgical prep areas. Be sure to confirm which areas are covered and understand any pre-authorization requirements specific to your plan.
Important: Permanent Choice cannot provide information about your specific coverage. It is your responsibility to contact your insurance provider to get this information.
In-Network Insurance Submission
Permanent Choice is in-network with Blue Cross Blue Shield of Minnesota, Blue Cross Blue Shield PPO plans, and HealthPartners (HP). If you have coverage through either of these providers, and your plan includes hair removal, we can submit claims directly to your insurance.
Before we can submit any claims, please ensure:
Contact your insurance provider to confirm that your plan is in-network with Permanent Choice.
Verify coverage details, including which areas are covered, how much is covered, and any requirements for eligibility.
Submit a copy of your insurance card (front and back) along with a pre-authorization (PA) OR letter of medical necessity to Permanent Choice. We cannot accept insurance submissions or process insurance payments until these documents are submitted and approved by our office. Send this information to us at info@permanentchoice.com.
Failure to submit required documents: If documents are not submitted before your treatment, you will pay the full out-of-pocket cost at the time of service. You may contact your insurance company for reimbursement, but Permanent Choice will not facilitate this process for you.
Payments:
All clients are required to have an active credit card on file prior to scheduling appointments. This card will be used to hold appointments and may be charged in the event of cancellations/no-shows, or to process copays, deductibles, out-of-pocket expenses, and any other patient responsibilities.
- Out-of-Pocket Payments: Clients paying out of pocket will be charged insurance pricing, which does not include any promotions or discounts, except for the 15% discount provided by Permanent Choice.
- Copays: Clients with copays must pay the copay at the time of each visit.
- Deductibles: Clients with a deductible must pay full price for treatments until their deductible is met, minus a 15% discount provided by Permanent Choice. Payments made toward your deductible will be processed through your insurance and will count toward your deductible unless your insurance plan states otherwise.
- Patient Responsibilities: After your insurance has processed your claim, if there is a remaining patient responsibility, you will be notified via email of the amount owed. If no response is received within 14 business days, the amount will be billed to your credit card on file.
Insurance Pricing: Insurance treatments are not eligible for promotional pricing. Please check with our office ahead of time to understand your insurance pricing rate.
Out-of-Network Medical Reimbursement
If you do not have BCBS-MN or HealthPartners but your plan includes coverage for permanent hair removal, you may be eligible for reimbursement.
To determine eligibility:
Contact your insurance provider to inquire about medical reimbursement options (also known as in-network benefit exemption).
Confirm reimbursement details and any requirements for qualifying.
Insurance Receipts for Reimbursement: If you are eligible for reimbursement from your insurance provider, please request an insurance-coded receipt at the end of each treatment. We will email it to you within 1-2 business days.
Payments:
Out-of-pocket payment: You will be required to pay the full cost of your treatment at each appointment.
Insurance invoice: After treatment, request an insurance invoice that you can submit to your insurance company for reimbursement.
Permanent Choice has no involvement with insurance regarding reimbursement.
Prior Authorization (PA)
Required by most insurance providers, a Prior Authorization (PA), also called precertification, is a determination form made by your healthcare provider regarding the medical necessity of a healthcare service.
If you have a Blue Cross Blue Shield PPO plan, a prior authorization letter is required.
Required Information for PA Submission:
CPT Code: F64.9
Laser: 17999
Electrolysis: 17380
NPI: 1871165746
Fax: 952-206-7599
* Permanent Choice is unable to assist with the submission of prior authorization requests. We recommend contacting your healthcare provider or insurance company directly for guidance on the appropriate process and required documentation.
Letter of Medical Necessity
A letter of medical necessity is used to support insurance coverage for hair removal as part of gender-affirming care. This letter must be written by a licensed medical or mental health professional and include a diagnosis of gender dysphoria, along with a statement that hair removal (electrolysis or laser) is medically necessary as part of treatment.
Permanent Choice requires all clients submitting claims to insurance to have either a prior authorization letter or a letter of medical necessity on file before beginning treatments, regardless of whether your insurance provider requires one.
All questions regarding insurance must be directed to our office. Technicians are not authorized to answer in-depth insurance questions. If you have any questions or need assistance, please do not hesitate to contact us at (952) 898-1111 or info@permanentchoice.com
We are here to help!