Insurance

Insurance
Will the cost of Dolphin Assisted Therapy Program, or part thereof, be compensated by the health insurance company?
Reimbursement/Compensation of Care
Some costs of the care provided in our center may qualify for reimbursement/compensation from your health insurance, (e.g. physiotherapy). In order to check whether you are also eligible for reimbursement and to ensure that the reimbursement is actually granted, you can follow the following step-by-step plan.
You can also find additional information and tips when applying for the reimbursement/compensation in our 'Q & A' section.
Step 1 - Which health insurance plan do you have?
It is important for you to check which type of health insurance you have so that you know what the terms and conditions of your coverage are and what kind of reimbursement you can expect.
Step 2 – Prior permission
A health insurance provider generally requires that prior permission be obtained before treatment. Failure to receive permission implies that you are not entitled to reimbursement. The CDTC’s Dolphin Therapy program would be considered non-urgent care as it is requested and provided in advance. By applying for prior permission, you will also receive an overview of the costs that your health insurance company may or may not reimburse.
Step 2.1
Whether or not you require prior permission may differ for each health insurance provider. It is wise to check which conditions are stated under your policy. Refer to the website of your health insurance company or your policy’s specific conditions.
Step 2.2
In preparation for requesting permission from your insurance provider, you can in any case request a quotation from us with an overview of the treatments that are carried out and the associated costs. You can submit this with your request to your health insurance provider. You can request this quotation through our CDTC Office: info@cdtc.info
Step 2.3
In addition, it is wise to ask your attending doctors/physician(s) to send a referral to you or to write a letter confirming that they recommend and support the treatment.
Step 2.4
Once you have obtained the quotation and referral letter, you can then request permission from your health insurance provider. Most health insurance companies use standard forms for this request. Please contact your health insurance company for further information on obtaining the correct forms.
Step 3
If permission has been granted by your health insurance provider, it is wise to keep the paperwork safe. In addition, we would like to receive a copy of the letter of consent, so that we can accurately provide the information that the insurance company requires when submitting the invoice after the program has been completed.
Step 4
After the therapy program has been completed you will receive an invoice from us. You can send this invoice to your insurance company in order to receive the pre-determined reimbursement.
Q & A
Financial Support
Over the years several foundations have been established to provide financial support to patients and their families who wish to participate in the Dolphin Assisted Therapy Program in Curaçao.