If you are contracted with Blue Cross Blue Shield or Tufts Insurance:
You don't have to do anything, unless you want to find out your copay and/or if you have a deductible. If you have a deductible, you can call to find out if it has been reached and what the cost would be afterwards. If you have not reached your deductible and want to find out your direct cost per session, please ask before your first appointment.
If you are contracted with another insurance (Harvard Pilgrim, United, Cigna, Aetna):
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 codes: 90791, 90837 or 90834)
- How much does my plan reimburse for sessions? ie. it may reimburse at 50%, so if you pay my rate of $100/session, you'll receive $50 back from insurance.
- If my plan has a deductible for out-of-network, how much is the deductible?
- ie. your plan may have a deductible of $1000 for out of network, meaning that you have to pay $100/session until you reach the deductible (which is 10 sessions with me), and then you will get reimbursed after that.
- After sessions, how do I send you the Superbill? When can I expect the reimbursement?
REMEMBER: Payment is due at time of service, even when I am out of network. You may use your HSA cards for mental health services. Contact your HSA company to find out more.
