Prior to your first visit, you will need to verify if you are covered and how much your plan covers. Many plans require members to pay a co-pay and/or deductible and this is expected at the time of service. I am an out-of-network provider for some insurance companies. These companies may reimburse you at a lower rate. A Superbill can be provided upon your request to submit to your insurance carrier for possible reimbursement.
insurance vs. self-pay
Some clients prefer not to use their insurance for mental health services. Insurance companies require a diagnosis to confirm medical necessity. If I am billing your insurance company, we will be providing them with a diagnosis. Insurance companies may also request certain information. Any of the information documented becomes part of your personal health record and can be reviewed by your insurance company. You have the right to be private pay (self-pay) for your services to avoid sharing your private information with your insurance company if desired.
Does my health insurance include mental health benefits?
Do I have a deductible? If so, how much is my deductible and has it been met?
How much am I reimbursed if I use an out-of-network provider?
Does my plan limit how many sessions per calendar year?
Here are some helpful questions to consider asking your insurance provider to determine your benefits:
coverage
The Consolidated Appropriations Act of 2021 was enacted on December 27, 2020 and contains many provisions to help protect consumers from surprise bills, including the No Surprises Act under title I and Transparency under title II. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services. You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Read More >