If you are contracted with Blue Cross Blue Shield:
Do you know what kind of plan you have? A plan with copays per visit or a deductible plan? If you want to find out your copay, you can call your insurance company. I can also look it up directly through the BCBS website, if needed. If you have a deductible, please call to find out if it has been reached and what the cost would be. If you have not reached your deductible and want to find out your direct cost per session, please ask me before your first appointment.
You are responsible for the cost of each session, whether you have a copay or deductible, at the time of service. So please ask these questions before scheduling an appointment.
If you are contracted with another insurance:
You will owe $100 per session for Out Of Network, due at the time of service. If you are a new client, the first session is $150 with each on-going appointment being $100.
You may qualify for reimbursement from seeing an Out Of Network provider. If you want to find this out, you can call the number on the back of your insurance card, asking these questions:
I am looking to see an out of network clinical therapist, does my plan reimburse for outpatient mental health? (They may ask for procedure codes: 90791, 90837 or 90834)
How much does my plan reimburse for sessions?
ie. if it reimburses at 50%, you pay my rate of $100/session and you'll receive $50 back from insurance.
If my plan has a deductible for out-of-network, how much is the deductible? How does that work?
ie. if your plan has a deductible of $1000 for Out of Network, you have to pay $100/session for 10 sessions until you reach the deductible , and then you will get reimbursed after that.
After sessions, how do I get reimbursed? Can I use a Superbill? When can I expect the reimbursement?