Northwestern Mutual Employees Access Mobile IV Therapy

Two Centivo Plans with IVTherapy2go™ Across Texas

When dehydration, illness, or another medical concern leaves you feeling depleted, traveling to a clinic may be difficult. IVTherapy2go™ brings mobile IV therapy to eligible patients at a home, office, hotel, or another approved Texas location.

Northwestern Mutual employees may be enrolled in the High Performance Copay Plan or HSA Plan administered by Centivo. Coverage for IV therapy depends on the member’s plan, medical necessity, network participation, authorization or referral requirements, and the specific treatment provided.

Wellness and convenience infusions may not be covered by insurance. Always verify your benefits before requesting service.

What Northwestern Mutual Medical Plans Are Available?

Northwestern Mutual employees may be enrolled in one of two medical plans:

• High Performance Copay Plan

• HSA Plan

The available plan information lists the following medical costs:

High Performance Copay Plan

• $0 primary care visit

• $50 specialist visit

HSA Plan

• The applicable deductible must be met first

• Copays or coinsurance may vary after the deductible is met

• Medical cost-sharing information is listed on the member’s insurance card

These amounts do not guarantee the cost of mobile IV therapy. IV medications, fluids, laboratory testing, medical supplies, professional services, and other treatments may be processed separately.

An insurance card does not guarantee coverage or payment. The member may be responsible for services that are excluded, not medically necessary, out of network, or completed without a required referral or authorization.

For scheduling assistance, call IVTherapy2go at (817) 508-8169.

Can Northwestern Mutual Employees Use IVTherapy2go?

Eligible Northwestern Mutual employees and their covered family members may be able to request mobile IV therapy when clinically appropriate.

Depending on the patient’s needs and the medical professional’s evaluation, IV services may support care related to:

• Dehydration

• Nausea or vomiting

• Fluid loss associated with illness

• Fatigue related to dehydration

• Recovery support

• Physician-directed hydration

• Certain vitamin or nutrient deficiencies

• Other medically appropriate concerns

A medical evaluation may be required before treatment. The medical professional will determine whether IV therapy is appropriate, whether additional testing is needed, or whether the patient should receive a higher level of care.

Insurance coverage generally depends on medical necessity and the member’s specific benefits. IV therapy requested only for wellness, energy, convenience, athletic recovery, or general hydration may be excluded from coverage.

Call 911 or visit the nearest emergency room for chest pain, severe breathing difficulty, signs of a stroke, fainting, confusion, uncontrolled bleeding, severe dehydration, major trauma, or another life-threatening emergency.

Who Administers the Northwestern Mutual Plans?

Centivo administers the Northwestern Mutual High Performance Copay and HSA plans.

Centivo can assist members and providers with:

• Eligibility verification

• Medical benefit questions

• Deductible and cost-sharing information

• Prior-authorization requirements

• Referral requirements

• Provider-network participation

• Claim-status questions

For assistance:

• Call Centivo Customer Service at (833) 452-2888

• Visit the Centivo Member Portal

• Providers may use the Centivo Provider Portal

Have your Northwestern Mutual insurance card, member identification number, plan name, requested treatment, and service location available when requesting assistance.

How Do I Verify My IV Therapy Benefits?

Before scheduling mobile IV therapy, contact Centivo at (833) 452-2888 and ask:

• Is mobile IV therapy covered under my plan?

• Does IVTherapy2go participate with my specific plan?

• Does the treatment require documented medical necessity?

• Is a referral or prior authorization required?

• Must treatment be ordered by my primary care provider?

• What deductible, copay, or coinsurance applies?

• Are IV fluids, medications, vitamins, supplies, and laboratory tests covered?

• Are wellness or convenience infusions excluded?

• Is my requested service location eligible?

• Will I have a time-of-service responsibility?

Write down the representative’s name, the date of the call, and the reference number provided.

IVTherapy2go can collect your insurance information and help prepare for service, but Centivo provides the official explanation of plan benefits. Final coverage is determined when the claim is processed.

Is Prior Authorization Required?

Prior authorization depends on the treatment, diagnosis, medical necessity, and requirements of the member’s plan.

Before receiving IV therapy, ask Centivo whether approval is required for:

• Mobile IV treatment

• IV medications or nutrients

• Repeated infusion services

• Laboratory testing

• Medical supplies

• Provider-administered treatment

• Services performed outside a traditional clinic

Members and providers can review authorization requirements through the Centivo Provider Portal or call (833) 452-2888.

Prior authorization does not guarantee claim payment. Current eligibility, medical necessity, network participation, plan exclusions, referral requirements, and the services delivered may affect how the claim is processed.

What Network Does the Plan Use?

Network participation should be confirmed directly with Centivo before treatment.

To locate or verify an in-network provider:

• Visit the Centivo Member Portal

• Call Centivo at (833) 452-2888

• Contact BSWQA Care Navigation at 1-844-279-7589

Ask whether IVTherapy2go, the treating medical professional, and the requested mobile service participate with your exact Northwestern Mutual plan.

Provide the employer name, plan name, member identification number, requested treatment, and service location when confirming participation.

Are Referrals Required?

Northwestern Mutual plan information states that a provider referral is required to begin most new specialty care.

Services that may be exempt from the general referral requirement include:

• OB/GYN care

• Behavioral health

• Chiropractic care

• Rehabilitation services

• Laboratory testing

• X-rays

• Occupational therapy

• Physical therapy

• Speech therapy

IV therapy is not specifically listed among these exceptions. Before requesting treatment, contact Centivo to determine whether a referral from your primary care provider is required.

Receiving specialty care without a required referral may result in the member owing the full cost. Providers can submit and review referrals through the Centivo Provider Portal.

How Should I Prepare for Mobile IV Therapy?

Before your appointment, prepare:

• Your Northwestern Mutual insurance card

• A photo identification card

• A current medication list

• Known medication or food allergies

• Relevant medical records

• Recent laboratory results

• Any provider order or referral

• Prior-authorization information

• Your benefit-verification reference number

• A description of your symptoms

• The date your symptoms began

Drink fluids if your medical professional says it is safe to do so. Wear comfortable clothing that allows access to your arm.

Choose a clean, comfortable area where the medical professional can safely complete the evaluation and treatment. Secure pets before the medical team arrives.

Tell the medical professional about pregnancy, kidney disease, heart disease, blood-pressure concerns, medication reactions, or any other condition that may affect IV treatment.

Claims Information for Providers

Northwestern Mutual claims are administered through Centivo.

Electronic claims: Payor ID 45564

Mailed claims:

Centivo
P.O. Box 211681
Eagan, MN 55121

Providers should verify eligibility, network participation, medical necessity, referral status, authorization requirements, coding instructions, and the current claims address before submitting a claim.

Compassionate IV Care Brought to You

IVTherapy2go works to make medically appropriate IV treatment more accessible when traveling to a facility is difficult. The medical team will review your health concerns, determine whether mobile IV therapy is appropriate, and explain when another form of care may be safer.

Coverage varies, and wellness or convenience infusions may not be covered by insurance. Verify your benefits and obtain any required referral or authorization before treatment.

When you are ready, Request Mobile IV Therapy or call (817) 508-8169. Please have your Northwestern Mutual insurance card available so your eligibility, benefits, network participation, and authorization requirements can be reviewed.