Fees & Payment Information
Frequently Asked Questions
ARE YOU IN MY INSURANCE NETWORK? DO YOU ACCEPT MEDICARE OR MEDICAID?
At this time, no. We are an out-of-network provider and do not accept insurance. Our reception team will collect payment at the time of your visit via Credit Card, Check, Cash, PayPal, or eligible Health Savings Account (HSA) or Flexible Spending Account (FSA).
I AM A VETERAN AND AM CONCERNED ABOUT PAYMENT. DO YOU HAVE AN OPTION TO HELP ME?
We support our men and women in uniform. Low-cost treatment for posttraumatic stress disorder (PTSD) is offered for veterans and active duty persons suffering as a result of trauma connected to service or otherwise, who could not otherwise afford treatment.
CAN I USE MY HEALTH SAVINGS ACCOUNT (HSA) OR FLEXIBLE SPENDING ACCOUNT (FSA) TO PAY FOR MY VISITS?
We urge you to verify this with your insurance plan provider. Many of our clients use their HSA or FSA to pay for their sessions. This is an excellent option for paying for treatment as FSA and HSA accounts are tax-advantaged. To learn more: http://www.irs.gov/publications/p969/ar02.html
IS IT POSSIBLE I AM ELIGIBLE FOR PARTIAL REIMBURSEMENT FROM MY INSURANCE PLAN FOR THE SESSIONS I HAVE PAID FOR OR PAY FOR IN THE FUTURE?
Yes. We urge you to contact your insurance provider to verify your specific benefits coverage (see #6 below). Some clients have very low annual out-of-network deductibles ($500) while others have very high deductibles ($12,000); in many cases, once annual deductibles are met, clients receive between 10% and 70% reimbursement for sessions based on “allowable rates.” Clients with Anthem/Blue Cross, Humana, and United Behavioral Health have all been able to obtain reimbursement.
WHAT IS AN “ALLOWABLE RATE”?
This varies by plan, but broadling speaking is an amount set by your insurance provider relative to the type of provider by whom you are being treated. For example, the allowable rate for a psychologist might be $50, 70, or another amount for a 45-minute session. Note in some cases, the allowable rate may be lower than the rate we bill.
WHAT DO I NEED TO ASK WHEN I CALL MY INSURANCE PROVIDER?
The questions you should ask include:
- What’s my Out-of-Network deductible? (Dollar amount.)
- Must my Out-of-Network deductible be met before benefits apply? (Yes/No.)
- What is the reimbursement rate for outpatient psychotherapy? (Percentage.)
- Is preauthorization required for 60 or 90-minute psychotherapy sessions? (Yes/No.)
- What paperwork do I need to start a reimbursement claim, and where do I send it?
- Is preauthorization required for psychotherapy testing? (Yes/No.)
MY INSURANCE COMPANY SAID MY PLAN REQUIRES PRE-AUTHORIZATION OR PRE-CERTIFICATION. CAN YOUR OFFICE DO THAT FOR ME?
Yes. Because pre-authorization must be done by the provider, we are happy to complete the necessary paperwork. Please remit all materials to be completed to our reception team to be completed by our clinical staff at least 48 hours in advance of your first appointment.
I WILL NEED AN ITEMIZED STATEMENT TO SEND THEM FOR A REIMBURSEMENT CLAIM. WILL YOU PROVIDE THAT?
Yes. We are happy to provide this type of statement upon your request in hard copy or electronic format.
Lower cost options are available for clients without insurance or who cannot get insurance reimbursement. Call to inquire.
If you need urgent care, call our office today.