Optum Harvard Pilgrim United Healthcare Cigna Anthem BCBS
In order to insure that you understand the benefit coverage of your insurance policy, you will need to contact your insurance company by calling the phone number on the back of your card listed for Behavioral Health. Ask to speak to representative about your Behavioral Health Benefits. When you speak with a representative, ask the following questions: When does my plan year begin? How many behavioral visits do I have per Calendar year? How many remaining? Do you I a co-pay? If yes, how much is my co-pay Do you I a deductible?If yes, How much? Have I met your deductible for the year yet? If no, how much is left?
Please cancel at least 24 hours before your appointment. Otherwise, you will automatically be charged a $100 cancellation fee. The reason for this policy is that the appointment time is being held specifically for you. If you provide less than 24 hours’ notice, we cannot offer that slot to someone else.
The following are the reasons why some client prefer to choose out-of-network or pay privately (without insurance): You will not be given a mental health diagnosis. When you use insurance to cover for psychotherapy, your psychotherapist is required to provide your diagnosis and treatment notes to your insurance company, in order to get paid. Ensures your confidentiality and privacy. If you choose to pay privately or pursue out of network benefits, what you discuss in the their session with the psychotherapist will remain solely between you and them. You will not have to worry about giving more people, including future employers who may request a copy of your medical record, access to your private health information. Reduce the possibility of getting a high insurance premium: If you use your insurance, there is a possibility that you get a higher insurance premium in the future. Insurance companies could consider a diagnosis as a “pre-existing condition”, which may result in an increase in your premium.