Accepted Insurance
Accepted Insurance
Aetna
Ambetter
Blue Cross Blue Shield
Cigna
Magellan
Quest Behavioral Health
Verification and Billing Process
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Verification of benefits and billing for sessions will be handled by Headway. I will ask you to create a Headway account and Headway will verify your patient responsibility and handle billing at the end of every session.
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I will collect your insurance information to verify your patient responsibility. I will collect your payment at the end of each session unless we have a different arrangement and submit the claim to insurance for processing.
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If I am not in network for your insurance plan, I do provide a superbill for you to submit to insurance reimbursement. Please be sure to notify me that you are interested in a superbill.
Insurance 101
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in network
Relationship with Insurance: I am contracted with insurance plan to provide mental health services.
Impact on billing: I submit claims to your insurance on your behalf.
Impact on Cost: I provide services at the insurance discount cost from the private pay cost. Being in network does not mean that your services will be covered at no cost. Your insurance and benefits determine the cost of care.
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out of network
Relationship with Insurance: I am not contracted with the health insurance plan.
Impact on billing: I will not submit claims to insurance. You can submit claims on their own for out of network benefit reimbursement.
Impact on cost: The private pay fee of $135 is utilized. Your out of network benefits may reimburse you anywhere between 30-80% of the cost, dependent on insurance’s discretion.
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deductible
Fixed amount you must pay each year before their health insurance benefits begin to pay for services.
Mental health services may require a deductible or they may not, it is dependent on your specific plan.
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coinsurance
Percentage of costs you pay for services after you’ve met your deductible. Insurance pays the remaining percentage.
Mental health services may require a coinsurance or they may not, it is dependent on your specific plan.
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copay
Fixed rate you pay for an appointment.
Mental health services may require a copay or they may not, it is dependent on your specific plan.
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out of pocket maximum
Fixed amount that you pay before the insurance pays 100% of all covered claims for the remainder of the benefit year.
Insurance benefits may include a mixture of deductible, co-insurance, and co-pays before the out of pocket maximum is met, depending on your insurance plan.