Rates & Insurance
We are in network with Blue Cross Blue Shield PPO and Aetna
How Does Insurance Work? - It is recommended that before your first session you contact your health insurance provider about behavioral health outpatient counseling benefits under your plan.
If the therapist you are seeing is considered an in-network provider with your plan, you don’t have to do a thing. We will bill your insurance directly. What you might owe out-of-pocket depends on your plan. This could include paying towards your deductible, co-payments, or co-insurance. If your therapist is considered out-of-network, you are responsible for the full fee at the time of the session. In this case, you will receive a statement showing you’ve paid that you may submit on your own to your insurance for possible reimbursement depending on your plan.
The credit/debit/HSA card you have on file in the client portal will be charged the amount you owe after the session.
Know Your Insurance - Make The Most Of Your Benefits!
In-Network – Providers that are considered in-network have contracted with the health insurance company for an agreed rate
Out-of-Network – Providers are considered out-of-network when they have not contracted with a given health insurance company. Many people receive out-of-network reimbursement, but the amount is determined by your plan
Deductible – The amount of money you are responsible for paying before insurance starts to cover the cost of appointments. Deductibles typically re-set once a year. Deductibles vary by insurance plan. You will be charged your portion of the session until deductible is met. The credit/debit/HSA card you entered in the portal will be charged for your portion of the session until deductible is met.
Co-pay – A set amount that is determined by your specific plan. The co-pay will be charged to the credit/debit/HSA card you have in the portal after each session.
Co-insurance – In addition to a co-pay, some insurance plans require you to pay a co-insurance of the total amount billed. The co-insurance will be charged to the credit/debit/HSA card you have in the portal after your session.
You can obtain your specific information by contacting your insurance provider.
Please reach out for any additional questions regarding insurance or payments
Good Faith Estimate Information
Under the No Surprises Act (H.R. 133 - which went into effect on January 1, 2022), health care providers need to give clients or patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services.
This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes (under the law/when applicable) related costs like medical tests, prescription drugs, equipment, and hospital fees.
The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
You may contact the health care provider or facility to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.
You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.
There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.
Make sure your health care provider gives you a Good Faith Estimate within the following timeframes:
If the service is scheduled at least three business days before the appointment date, no later than one business day after the date of scheduling;
If the service is scheduled at least 10 business days before the appointment date, no later than three business days after the date of scheduling; or
If the uninsured or self-pay patient requests a good faith estimate (without scheduling the service), no later than three business days after the date of the request. A new good faith estimate must be provided, within the specified timeframes if the patient reschedules the requested item or service.
This is the public disclosure of the “Good Faith Estimate”
Note: A Good Faith Estimate is for your awareness only. It does NOT involve you needing to make any type of commitment.
To learn more and get a form to start the process, go to www.cms.gov/nosurprises or call 800-985-3059. For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 800-985-3059. Keep a copy of this Good Faith Estimate in a safe place or take pictures of it. You may need it if you are billed a higher amount.
If you have questions or concerns, please reach out.