At Dar a Luz, we want you to be informed about your insurance benefits
and the out of pocket costs that come with healthcare
Financial Information
Pay Your Bill Securely Online
Click the secure link button below to get started. You may use a credit card for a 3% fee, or link a checking account with no fee. We accept Visa, MasterCard, Discover and American Express. If you wish to pay with a health care spending account card, please contact Erica.
If you have questions or need help, call Erica at 505-924-2229 ext 7.
Disclaimer: Our website is secure and doesn’t save your credit card or personal information. However, if you use this site on an unsecured network, your private information may be vulnerable to hackers during transmission. For your safety, please pay only through secure, password-protected networks.
Policies For All Clients
- You must notify us of all of your health insurance policies, even if your primary policy will not cover all of your care. We are required to bill your primary insurance first. If you fail to notify us of a primary policy you will be billed $50 per claim for correcting the filing.
- Missed or cancelled appointments without a 24-hour advance notice (not including weekends) will be charged $50. Except Ketamine Therapy missed appointments will be charged the full amount.
- Every effort will be made to obtain the appropriate payments from your insurance company after your care is complete. You are responsible for any charges not paid by your insurance, including co-payments, deductibles, co-insurance, and non covered services. After all insurance claims are processed, we’ll send you a bill or refund for the difference between our contracted rates and what you and your insurance paid. If you are unable to pay your bill please contact us immediately to work out a plan.
- If you are experiencing financial hardship, we will work out a payment plan that is mutually agreeable. Our payment plans are flexible and made on a case-by-case basis. We are committed to quality care at a reasonable cost. If your situation changes and you are not able to keep your obligation, you must contact us and choose another option.
Additional policies for pregnancy, postpartum, and newborn care
All of the general policies above apply. In addition, the following policies and agreements will be included in the financial contract and payment plan that is part of your first prenatal visit at Dar a Luz:
- We require a non-refundable registration fee, due at the time of registration or at your first midwife appointment. The registration fee is not covered by insurance and helps offset administrative costs incurred prior to start of care.
- We appreciate you committing to your Payment Plan at your first visit. Please come to your visits prepared to make your payments as planned. We accept cash, checks (payable to Dar a Luz) and credit cards as well as flexible spending account cards.
- Please note that visits outside the scope of routine pregnancy and well-baby care may be subject to different insurance coverage and may generate additional out-of-pocket costs for you.
- All clients are required to pay their estimated portion by 36 weeks of pregnancy unless other arrangements have been made and noted on the agreement. If you do not keep your payments up to date or if payments are denied for any reason, we reserve the right to terminate our services.
- It is your responsibility to notify Dar a Luz of any changes in insurance coverage requiring a new Financial Agreement.
Donate Today!
Dar a Luz Birth & Health Center is a 501(c)(3) non-profit organization and we are designated as a public charity. Monetary donations allow us to offset operational costs and offer reduced-cost and free services to women in our community who are underserved.
Consider these easy ways to donate:
1. Make a recurring weekly, monthly, or yearly donation using your credit or debit card!
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If you choose to donate through our secure donor platform, Network For Good, you will automatically receive a receipt of your transaction for your tax records. We greatly appreciate any amount you can contribute!
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Disclaimer: Our website is secure and doesn’t save your credit card or personal information. However, if you use this site on an unsecured network, your private information may be vulnerable to hackers during transmission. For your safety, please pay only through secure, password-protected networks.
- If you are interested in making an in-kind donation or need additional support with any donation options below, please contact our Director of Operations & Development: Yelena Baras.
2. Mail a check
Make checks payable to:
Dar a Luz Birth & Health Center
7708 4th Street NW
Los Ranchos, NM 87107
Cost of Care
Dar a Luz offers healthcare throughout the lifespan including: well-woman annual exams for all ages, cancer screening, contraception, STD testing, expanded gynecology, teen care, perimenopausal support, fertility planning, pregnancy, postpartum and newborn care, lactation care with IBCLCs, mental health including Ketamine therapy.
We accept the insurances listed below. If you don’t see your insurance listed, please contact our Client Financial Specialist to check your specific plan and determine your benefits at Dar a Luz. You should anticipate paying your specialist copay or deductible, depending on the service provided and your individual benefits with your insurance. We encourage you to learn about your insurance benefits and how they apply to your medical care.
“Everyone made me feel very comfortable and important. Every appointment, Tracy was warm and welcoming and she was always accommodating with scheduling. The nurses who did my lab work were kind and patient… Erica was very helpful, patient, and informative when I had questions about my insurance plan and when I had an insurance change. Every midwife I saw during clinic visits was kind and I always left feeling really happy.”
Medicaid/Turquoise Care
In New Mexico, Medicaid is primarily known as Turquoise Care. Medicaid’s mission is to provide no or low-cost health insurance to financially eligible residents. Pregnant people in NM can qualify for Medicaid at 250% of the fixed standard than if you are not pregnant. You can complete an application by clicking one of the links on the right. It can take up to 45 days for coverage, and your appointments are not covered until an effective date has been given.
- Check your eligibility and apply for a variety of state assistance programs
- Complete the HSD’s Medicaid application online and find instructions for mailing the application to HSD
- Fill out a federal HealthCare.gov application online
Even if you don’t qualify for benefits, you may be able to get your baby/child on Medicaid and/or get other benefits such as WIC, SNAP, or CHIP.
Before you start the Medicaid application, gather these:
- Social security numbers of the family members to enroll
- Employment and income information — paystubs, tax return, W2 forms
- Policy numbers, if you currently have health insurance (this does not affect your eligibility, but is required to be on disclosed)
If applying as a pregnant person:
- The first date of your last menstrual period
- They may ask for a “proof of pregnancy” letter from your current provider
Sliding Fee Discount Program
It is the policy of Dar a Luz Birth and Health Center to provide essential services regardless of the patient’s ability to pay. We offer discounts based on family size and annual income. Dar a Luz will not discriminate on the basis of an individual’s race, color, sex, national origin, disability, religion, age, sexual orientation, or gender identity, ability to pay, or whether payment for those services would be made under Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP). The Federal Poverty Guidelines are used in creating and annually updating the sliding fee schedule to determine eligibility.