Out-of-Network Insurance

Depending on your current health insurance provider you may be eligible for out of network benefits. It is recommended you call your insurance company to see if out of network benefits are provided for therapy and how much your out of network deductible may be. Here are some questions to ask when talking to your insurance company:

• What are my out of network mental health benefits?

• Do I have deductible? If so, what is covered after the deductible is met?

• Do I require a pre-authorization for my out of network benefits?

• What is the reimbursement I will receive for a CPT code of 90837? (This is what you will be reimbursed for most sessions with your therapist).

At the end of every month, you will receive an Insurance Reimbursement Statement that you can submit to your insurance provider for out of network benefits.

Why Go Out-of-Network?

Therapy is a long-term investment for your mental and physical health; therefore it is of the utmost importance to provide you the highest quality care possible. Out-of-network providers can offer premier, high-quality services with the best results for your treatment.

Not using insurance allows you and your individual needs to be top priority.

1) Confidentiality: We respect how much you value privacy and want you to be able to enjoy therapy in a safe space without being concerned about how your information will be distributed. When disclosing information to a 3rd party insurance it increases the risk of your information getting out there. Your insurance company can share information related to your treatment, including diagnosis, for purposes of federal background checks and medical certifications for certain jobs/careers. That is why we strive to protect your confidentiality.

2) Diagnosis: Insurance companies require a diagnosis in order to provide coverage. This diagnosis will be attached to your medical record forever. We strongly believe that you have the right to seek out help without an indefinite label that may very well be a transitional issue.

3) Treatment Optimization: Insurance companies attempt to dictate treatment by determining number of sessions, frequency, and length of sessions. Oftentimes, insurance companies limit sessions and make the process of approving ongoing sessions very lengthy and time consuming. They show little regard for the recommendations made by the therapist, which interrupts your progress and shifts the focus of your therapeutic work to fit the needs of your insurance company instead of your unique individual needs. Removing this barrier allows us to plan with our clients what works best for them.

Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

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 for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.

Health Savings Account: Typically, clients are able to use their flex spending cards for full payment of therapy.

Payment: We accept any major credit card, debit card, or Health Savings Account (HSA) card.

Cancellation Policy: If you are unable to attend a session, there is a 48 hour cancellation policy required.  Otherwise, you may be charged for the full rate of the session.

Any Other Questions: Please contact us for any additional questions you may have about rates. We look forward to hearing from you!