We work with Blue Cross Blue Shield PPO, BlueChoice PPO, Aetna, United Healthcare, United Behavioral Health, Optum, Cigna, Anthem, Magellan EAP
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.