Insurance & Payment

In-Network Insurances:

Aetna

Aetna Ohio-Rise

Cigna

CareSource Medicaid

Humana

Medicaid (OHIO)

Medical mutual

Medicare

Molina Medicaid

Ohio Healthy

Optum Health

OSU/Trustmark/Luminare

United Healthcare

United Medical Resources

Accepted Out-of-Network Insurances:

Anthem (Non-HMO plans)*

Blue Cross Blue Shield

Meritain

*Please note, we are NOT able to accept any HMO plans. If you’re unsure if this applies to you, please call your insurance to find out your specific plan and coverage.

You can call your insurance provider to confirm your specific plan and coverage for services through Amigos on the Spectrum. Certain plans may not be included.

For more information regarding individual clinician licensure, you can visit the Ohio License Look-Up Directory.

If you have more questions regarding payments, please visit our FAQs.

Insurance Lingo: What does it all mean?

It can be frustrating trying to translate insurance terms. We’re here to help.

  • Every insurance provider has an In-Network provider list.

  • Most fee-for-service plans and all HMOs and PPOs have managed care. This refers to ways they manage use, quality, and price within the healthcare system.

  • These are prepaid health plans, where you pay a monthly premium. These plans will cover doctor’s visits, checkups, lab tests, hospital & emergency care, and therapy. However, you must use the doctors and hospitals designated by your HMO, and some policies may require changing to local primary care physicians.

  • Some policies may not provide benefits under certain conditions or circumstances.

  • This is how much money you pay each year for services before your health insurance policy starts paying.


  • An out-of-pocket payment is made by the policy holder with their own money instead of through the insurance provider.

    Your maximum out-of-pocket amount refers to the most money you’re required to pay for each year through deductibles and co-payments or co-insurance. This is in addition to your regular premium rates.

  • For most plans, you’ll have a co-payment or co-insurance. A co-pay is a set fee you owe each time you receive a service (i.e. $15 for a doctor’s visit) and your insurance pays the rest.

    Co-insurance is the amount you owe after you’ve met your deductible, typically as a percentage. For example, you owe a 20% co-insurance rate, and your insurance provider pays the remaining 80%.

For more information, visit our FAQs.

Find out if your services will be covered

Have confidence in your coverage. We encourage all potential clients to reach out to their insurance provider and confirm their specific plan details, coverage, and benefits.

When calling, you can start with: “I’m trying to find out if my insurance plan covers therapy services through Amigos on the Spectrum. Can you help me by answering some questions?”

What to ask:

  1. Is Dr. Emilio Amigo an In-Network Provider?

    NPI # 1467465609; Our address: 8740 Orion Pl, Suite 100, Columbus OH 43240

  2. What’s my Individual & Family Deductible? How much have I met so far?

  3. What’s my co-payment or co-insurance after my deductible is met?

  4. Do I need a prior-authorization for any of the following services?

    List these codes: 90791, 90832, 90834, 90837, 90847, 90853, 96130, 96131, 96136, 96137

  5. Are there any other coverage guidelines, exclusions, or limitations?

If your plan is Out-of-Network:

  1. Do I have an HMO or Managed Care Plan? AOTS is unable to accept any HMO plans and most Managed Care Plans. Our team will discuss your options with you before scheduling your first appointment.

  2. Do I have any Out-of-Network Benefits?

  3. Would I be a candidate for a Single Case Agreement?

If yes, find out:

  1. What paperwork do I need to submit to apply?

  2. Do I need to provide any supporting documentation to prove these services are necessary?

Please let our team know what you found out as they help you navigate your payment options.

For more information, visit our FAQs.