Our intake team will check your insurance coverage before your first appointment.
Your insurance will cover certain locations, but not others. Additionally, different professionals (psychiatrist, psychologist, clinical social worker, marriage and family therapists, professional counselor) receive different per hour rates.
Each insurance company has a network of contracted mental health professionals who have agreed to receive payments from it in exchange for services. That is, not all mental health professionals will take every insurance. Mental health professionals select which insurance company to work with based on how well the insurance company pays for services, how reliably it pays for services, etc. For instance, I may select to work with insurance X or Y but not X.
If a mental health professional has contracted and chosen to take payments from an insurance company, he or she is in-network. That is, she or he is part of that insurance network.
If a mental health professional has not contracted and not chosen to take payments from an insurance company, he or she is out-of-network. That is, she or he is not part of that insurance network. This means you might have to self-pay using a credit card, debit card, or cash in exchange for a “super bill”. This is just a bill for services indicating how much you paid for mental health services so that you can ask your insurance company to reimburse you.
HMO stands for Health Management Organization. The main thing you must keep in mind about HMOs is that you must be referred to us by your primary treating provider. Therefore, HMOs are not as flexible as PPOs.
PPO stands for Preferred Plan Organization. With this type of insurance, you do not have to have permission to see a mental health professional. This means you can see any mental health professional specialist whenever you need the services.
EAP stands for Employment Assistance Program. This is a type of program your place of employment offers that includes mental health services. However, the number of times you can see a mental health professional is limited to 3 to 6 times. After that, you must pay with your insurance or out of pocket.
This is just a bill for mental health services you can give to your insurance company so that they can reimburse you. However, always check with your insurance first to see if they agree to it.
Most insurances have a deductible (also known as a copay or coinsurance). This means that you will be required to pay a certain portion of your bill. That amount varies so make sure you ask your insurance company how much you will have to pay, or we can do so for you. Amounts vary between $10 and $30 every time you come to see a mental health professional.