Ask what the plan would pay for.

Begin with the written proposal

Ask the clinician’s office for the service names and billing details it would submit. Bring that information to the insurance plan rather than asking only whether “KPV care” is covered.

A billing code is a label used on a claim for payment. If a code is given, ask what it describes in ordinary words.

Ask about the assessment itself

• Does my plan cover this kind of visit with this clinician?
• Would the answer change for video or an in-person visit?
• What part would I pay myself?
• Is permission from the plan needed before the visit?

Ask for the answer in writing, along with the name of the service discussed. Keep it with the proposed bill.

Ask about any tests on their own

• Which test is being requested and where would it be done?
• Would my plan pay at that location?
• What would I owe if it does not pay?
• Is there a separate charge to review the result?

Keep an unclear answer open. Ask the office and the plan to address the same test and the same location.

Insurance payment does not prove a treatment works

As of September 28, 2026, KPV had no approved medical use in the United States. [a]

Ask separately whether the plan would pay for the exact product and its proposed use. Paying for a visit does not answer that question or prove a treatment works.

• What exact product and use did you review?
• Is this a written coverage decision or general information?
• What documents would be needed to review a denial?