"You can't always move the world around you, but you can change your place within it."

Insurance Billing (Out-of-Network):
If you have out-of-network benefits, we can provide a detailed receipt (superbill) for you to submit to your insurance company for potential reimbursement. Please note that reimbursement depends on your specific plan and coverage.

We also accept Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for payment. We are happy to discuss your payment options and help determine the best approach for your financial needs.

It is your responsibility to verify your out-of-network benefits, including deductible amounts, reimbursement rates, and any necessary pre-authorizations. Please consult your insurance plan for details, as reimbursement amounts and eligibility vary.

Insurance Billing and Financial Responsibility (In-Network):
We currently have counselors who are in-network with Aetna, United Healthcare and Anthem BCBS. 

We will inform you of the cost of services and your copay, which is due at each session. While we file insurance claims as a courtesy, it is your responsibility to verify that we are in-network with your specific insurance contract (not just the insurance company). Please review and understand your plan’s copayment, co-insurance, and deductible requirements each year. 

Generally we range from $90-150 for a 45-50 minute session. Fees are based on a provider’s education, experience, credentials, and licensure level. Reduced rate slots are available based on financial need. 

YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS:

When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.

What is “balance billing” (sometimes called “surprise billing”)?

When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.

“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.

“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care - like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.

You are protected from balance billing for: 

Emergency services: If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable  condition, unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.

Certain services at an in-network hospital or ambulatory surgical center: When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections  not to be balance billed.

If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections.

You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.

When balance billing isn’t allowed, you also have the following protections:

• You are only responsible for paying your share of the cost (like the copayments, coinsurance, and deductibles that you would pay if the provider or facility was in-network). Your health plan will pay out-of-network providers and facilities directly.
• Your health plan generally must:
  
  • Cover emergency services without requiring you to get approval for services in advance (prior authorization).
  • Cover emergency services by out-of-network providers.
  • Base what you owe the provider or facility (cost-sharing) on what it would pay an in-network provider or facility and show that amount in your explanation of benefits.
  • Count any amount you pay for emergency services or out-of-network services toward your deductible and out-of-pocket limit.

If you believe you’ve been wrongly billed, you may contact the Secretary of State’s office at 404-656-2881.

Visit https://www.cms.gov/files/document/model-disclosure-notice-patient-protections-against-surprise-billing-providers-facilities-health.pdf for more information about your rights under Federal law.