Answers to frequently asked questions by patients who are getting started with Mora.

What is the Mora Treatment plan?

You will join a virtual Mora circle with up to 10 other patients who are on a similar journey to lose weight and heal health conditions, every week for as long as you need. The first 12 weeks are the most intensive, after this our Evergreen circle model allows patients to remain with us for as long as they need as they make changes to their health and lifestyle.

You'll meet with your physician or physician assistant each week for 60-90 minutes. The treatment is focused around the pillars of lifestyle medicine and the science behind weight loss, including: whole foods, plant-based nutrition, restorative sleep, stress management, physical activity, substance control, and positive social connections.

As your health improves, we will continue to adjust your treatment plan to fit your unique needs. Many patients see improvements in their biomarkers within the first week of working and it's even possible to begin deprescribing medications within the first 10 days as the symptoms of your conditions normalize.

What does a visit entail?

Each group medical visit will include 60-90 minutes of detailed, comprehensive detailed medical treatment and advice for the group and each individual patient, run by a board-certified physician or physician assistant— all from the comfort of your own home. 

You’ll discuss your progress, receive individualized advice from the physician, connect with other patients, and receive a weekly resource guide with simple, actionable advice. You’ll also receive a lifestyle prescription from your physician which consists of small but impactful changes you can make each week. 

Your clinician will ask questions to the group and to you individually to learn more about your symptoms, goals and weekly progress. They will work with you to create an actionable, personalized care plan that may include lab testing, and lifestyle recommendations. 

What are the age restrictions for visits?

At this time, Mora Circles are for patients aged 18 and above.

How long will my visit be?

Your first Mora Circle is 90 minutes long. This gives everyone the opportunity to introduce themselves, get to know each other, and ask any questions they have. It also gives your medical team time to discuss the treatment plans, get to know everyone individually, and get everyone started on their health journey. 

After this, the rest of your Mora Circles run closer to 60 minutes, which gives each patient plenty of time with their medical team. 

What kinds of providers are available?

Your licensed, board-certified physicians, and physician assistants, are qualified to deprescribe medication, order lab tests, monitor your RPM data, and assess your symptoms and health condition(s) to create a customized care plan for you.

Combined, they will care for you throughout your time at Mora, and are available to answer any questions you have surrounding your health and plan. 

What does Mora cost?

With Insurance: Mora is an in-network provider with most major insurance companies. If we are in-network with your insurance provider, then you are generally only responsible for the co-pay listed on your insurance card (primary doctor co-pay). Please see our insurance coverage map for detailed information on insurance coverage.

Cash pay: If you can't utilize your insurance, we offer an affordable cash pay option. This is billed at $1495/year. Please note, Medicare patients cannot participate in the cash pay option.

How much will a visit cost with insurance?

Check your insurance with our insurance coverage chart. If we accept your insurance, we will bill your insurance for your medical visits and you will just need to pay your copay. With insurance most pay $10 - $50, however the price varies depending on your insurance plan.  

Your copay can be found by looking at the back of your insurance ID card, it will most likely be the same as your copay for primary care. For more information, schedule a welcome call with our medical team and we’ll set up a call with our insurance specialist to answer all your insurance questions. 

Please see the FAQ section below for more questions about billing and insurance.

What kind of next steps come after the 10 weeks of intensive treatment?

After completing the initial 10 weeks, you likely will have made a huge improvement in your overall health and deprescribed medications as a result. The journey doesn’t have to end there! By joining the maintenance plan with Mora, you can ensure you keep up these changes and continue to see improvements in your health. We understand that this can be the hardest part of your health journey, so we developed the maintenance plan to keep you involved in our community of support, accountability, and the best-in-class medical team.

There are 4 main parts of the maintenance journey that keep you connected with the Mora community: 
1. Join monthly maintenance circles with the medical team to help keep you motivated and on top of your health.
2. Our medical team will continue to monitor your progress with remote patient monitoring devices that were provided to you during the initial medical visit.
3. If needed physicians are always available for 1-to-1 appointments.
4. Stay connected to the wider Mora community with the private facebook group, where patients can connect with each other and their clinicians, posting recipes, tips, and tricks for staying healthy and motivated. 

Am I able to speak to a provider about past test results?

At Mora, we take pride in providing personalized care unique to your health and needs. That means you help set the goals that you want to achieve with the Mora and our dedicated physicians. If you have lab results you’d like to walk through, please have them ready to share with the clinician. Note that in the event you share older test results, your clinician may recommend updated testing, but this may still provide a great starting point for a meaningful discussion.

Are prescriptions available?

At our medical practice, our top priority is helping you achieve lasting weight loss and health improvements through sustainable lifestyle changes. However, we understand that starting a weight loss journey can be challenging and sometimes a short-term weight loss medication may be a necessary tool. 

That’s why you’ll work with a board-certified physician to determine if you’re suitable for a prescription, and to find the right medications that fits your unique needs. Your physician will closely monitor your progress to ensure your safety, and our goal is always to help you transition off these medications as you make positive changes to your lifestyle and behaviors.

Our ultimate aim is to help you achieve your weight loss goals and reverse conditions such as high cholesterol, hypertension, and type 2 diabetes to reduce your reliance on long-term medications. By using safe and effective short-term medications under the guidance of a physician, we can help you achieve your health and weight loss goals and ultimately live a happier, healthier life without relying on medications long-term.

Why do you run group medical visits?

Group medical visits give you the time to learn from an experienced physician about how your lifestyle can significantly impact your health — most PCPs do not have the time for this. It’s how we can provide our patients with an hour of physician facetime every week.  

But that’s not all— by connecting with others you gain support in like-minded patients who understand the health journey you’re going through. 

Social connections are crucial for optimal health, and group medical visits offer the chance to create a community of other patients striving for the same goal: improving their health through lifestyle changes and deprescribing medications for good. Being surrounded by a supportive community also increases accountability which helps you to sustain healthy habits and encourages behavior change. Most importantly, you can draw on each other's experiences and share tips and tricks to help overcome any challenges along the way. 

If I need a follow-up visit, can I talk to my physician one-to-one?

If you and your medical team feel a 1-to-1 visit is needed outside of the group medical visit, absolutely this can be arranged at a time and date that suits you. Your 1-to-1 will be with a member of your medical team that is running your circles. 

You also have unlimited access to your medical team through the EMR, who are available 9am - 5pm to answer any questions you may have about your health, biomarkers, recipes, and any further advice. 

How will my information be kept private?

Mora Medical is a licensed medical provider in all 50 states and is bound by HIPAA and other privacy laws. We store your sensitive medical information in a HIPAA certified EMR (electronic medical record system). Your personal information is always kept safe and confidential.

We realize that for many people this will be your first group medical visit. Prior to joining the circle, every patient signs an informed consent form where they agree to keep everything discussed in the group visit strictly confidential. 

Why should I trust Mora?

Our physicians have an average of 15+ years of experience practicing medicine. They are Dual board certified and specialize in lifestyle medicine. Combined they have treated thousands of patients using diet and lifestyle as a primary tool, reversed a wide variety or chronic conditions and deprescribed medications such as for high blood pressure and type 2 diabetes.

Each of them has an incredible story on what led them down this unconventional path of treating diseases with lifestyle medicine. Please visit their respective profiles to read their origin stories.

We know that not all doctors are created equal. At Mora, you can work with a doctor whose values align with yours.

What happens if I need help?

Our medical team remotely monitor your health and your condition via RPM devices, they are automatically notified if an intervention is needed.

In addition our medical team is available 9am - 5pm. Please message us through the patient portal and we will respond promptly. If you need special assistance, we can set up 1-to-1 consultations outside of the group visits as well.

If you are facing an emergency, medical or otherwise, please dial 911.

Can I cancel after I find out the costs?

You can cancel your visits with Mora at any time before or after your first circle by contacting the clinician you spoke to during your welcome call. There is no charge for canceling and no obligation to start if you change your mind after discussing costs with our insurance specialist.

Billing and Insurance Questions

Answers to frequently asked insurance questions by patients who are getting started with Mora.

Which insurance plans are accepted?

Many major insurance plans are accepted currently in Florida, Texas, and California. Please check our insurance coverage chart which shows where we are accepting each insurance option. The best way to be 100% sure that your insurance plan is in-network with Mora is by contacting your insurance company directly. Please use the phone number on the back of the card and provide them with our facility name when inquiring. 

What is my copay?

Your copay, or copayment, is a fixed amount you pay for a covered healthcare service, under your health insurance plan. The amount can vary depending on the specifics of your insurance plan and the type of service. We are considered a primary care service, and thus charge the PCP copay associated with your plan. 

You can usually find the amount of your copay on your health insurance card, in your policy documentation, or by contacting your health insurance provider directly. 

What is my deductible?

A deductible is the amount you pay for healthcare services before your health insurance begins to pay. Let's say your plan's deductible is $1,000. That means for most services, you'll need to pay 100% of your healthcare costs until you've spent $1,000. After that, you share the cost with your health insurance company by paying coinsurance, copayments, or both.

Here's an example:
If you have a $1,000 deductible, you are responsible for paying the first $1,000 in total costs for healthcare services you receive each year. Once you've paid that $1,000, your insurance coverage will typically kick in, meaning the insurance company will start to pay a portion or all of your healthcare costs for covered services. It's important to note that this can vary depending on the specifics of your insurance plan. Some services might be covered before you meet your deductible.

For instance, many insurance companies provide coverage for preventative services like routine check-ups, even if you haven't met your deductible. Also, remember that each new year your deductible resets. So if your plan's policy period is annually, you'll start over paying towards your deductible at the beginning of each year.

What is my co-insurance? 

Co-insurance is a form of cost-sharing between you and your insurance company. It is a percentage of the cost of a healthcare service that you are responsible for paying, after you've met your deductible.

Here's an example:
Let's say your health insurance plan has a deductible of $1,000 and a 20% co-insurance rate. If you have healthcare costs totaling $2,000 in a year, here's how it works:
1. You pay the first $1,000 to cover your deductible.
2. After your deductible is met, your co-insurance kicks in. For the remaining $1,000 of your medical costs, you would pay 20% (which is $200), and your insurance company would pay 80% (which is $800).

So in this scenario, out of $2,000 in total costs, you would be responsible for paying $1,200 ($1,000 for the deductible and $200 for the co-insurance), and your insurance would cover $800. 

It's also important to note that most insurance plans have an out-of-pocket maximum, which is the most you're required to pay for covered services in a plan year. After you hit this limit, the insurance company pays 100% of the allowed amount for covered services.

What is my out of pocket or stop loss maximum?

The term "stop-loss" is sometimes used interchangeably with "out-of-pocket maximum" in the context of health insurance. It represents the maximum amount of money you will have to pay for covered healthcare services in a policy period (usually one year), before your health insurance plan begins to pay 100% of the costs.

The out-of-pocket maximum or stop-loss limit can include deductibles, co-insurance, co-payments, and other expenditures, but it generally doesn't include premiums, balance-billed charges from out-of-network healthcare providers, or costs for non-covered services.

Once you have met this limit, your health insurance will pay for all of your covered healthcare costs for the remainder of the policy period. 

The specific out-of-pocket maximum/stop-loss limit can vary greatly depending on your insurance plan, and it's important to understand this limit when considering your potential healthcare costs. You should be able to find this information in your insurance policy documentation or by contacting your insurance provider directly.

What does Medicare cover for Mora? 

Most medicare patients do not have a copay. 

With Medicare, they will usually pick up 80% of the original bill we send them. That leaves 20% remaining. If you have supplemental (AARP, USAA, humana, or any commercial supplemental plan - whether we are in network with it or not) it usually picks up the rest of the 20%. If you do not have supplemental, you would be responsible for 20% of the visit. 

How do I know if my plan is in-network with Mora?  

The best way to be 100% sure that your insurance plan is in-network with Mora is by contacting your insurance company directly. Please use the phone number on the back of the card and provide them with our facility name when inquiring. 

Our team at Mora are happy to gather this information for you, however it can take up to 3 business days. It is usually much quicker to gather this information via the patient phone line provided on the back of your insurance card. 

What if I am out of network with Mora? 

Even if your plan is out of network, you might still be able to receive coverage through your plan's out-of-network benefits.

In simple terms, out-of-network benefits are part of your insurance coverage that can be used for healthcare providers not directly partnered with your insurance plan. When you use these benefits, your insurance might still cover a portion of the cost, but it may be less than if you were using an in-network provider.

For instance, if an in-network doctor's service is covered 80% by your insurance, the same service from an out-of-network provider might only be covered 60%.

Additionally, you may have to pay the difference between the cost charged by the out-of-network provider and the amount your insurance agrees to pay. This is known as balance billing and it can increase your out-of-pocket expenses.

Please note that the specifics of out-of-network benefits can vary greatly between insurance plans, and not all plans offer these benefits. We recommend checking your insurance policy or contacting your insurance provider to understand the details of your out-of-network coverage.

Does Mora have a cash pay option?

Yes, we do have a cash pay option at Mora, available for anyone who isn't enrolled with Medicare or Medicaid. Our cash pay rate is $1495.00 for the entire year, which can be paid in one lump sum or split over a 3-month period.

This payment covers 36 medical visits, with 32 group visits and 4 one-on-one sessions with your provider. As part of this package, you also get our Mora cookbook, entry to two online health courses led by physicians, and unlimited messaging with our medical team for personalized care and support. It's an all-inclusive package designed to provide comprehensive healthcare support for your journey towards better health.

What information about my plan can Mora provide? 

At Mora, we can access your plan information to provide details on your copay, co-insurance, and yearly deductible. We may also be able to provide information about your out-of-network benefits, depending on your specific plan.

Furthermore, we can verify whether your plan is out of network or within our network, though it may take us a few days to confirm this. However, for the most accurate and up-to-date information, we recommend reaching out to your insurance provider directly.

You can typically find the contact information for your insurance provider on the back of your insurance card. It's important to note that they have the final say on all the details regarding your plan.

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Our services are likely covered by your health insurance provider and billed as a standard visit, while our cash pay plans are on average thousands cheaper than alternatives.