Insurance
I am empaneled to bill certain plans of the following insurance companies
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Aetna State Employees
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Blue Cross Blue Shield
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Aetna
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United
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Humana
It is imperative that, before your first appointment, you check with your insurance provider the details of your coverage including whether I am an approved in-network or out-of-network provider, copay if applicable, deductible, etc.
Insurance Reimbursement
Important Details - Please read carefully
How do I get insurance reimbursement?
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I am an out-of-network provider for many insurance panels. The insurance company will reimburse you directly, therefore payment is expected in full by cash, check, or charge at the time of your office visit. This includes any co-payment. I accept cash, credit card or checks. You have the option to decide whether to involve your insurance company in your care, which puts you in control of the information you make available to your insurance company.
How do I know if I have out-of-network benefits?
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Most insurance companies have out-of-network mental health benefits. These benefits reimburse you for the cost of your visit at a certain percentage of the usual and customary rates (UCR). When calling your insurance company for benefit and coverage questions, it is imperative that you tell them it is for psychiatric services, as most insurance companies handle these claims differently. Some even go through an additional, separate insurance carrier altogether. Usually those companies list the mental health benefit number on the back of your insurance card separately. I always recommend actually speaking with a customer service representative with your carrier to get the most current and accurate information available.
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I will provide you with a statement that you may, or may not, choose to submit to your insurance company for reimbursement.
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If any additional information is needed, I will work alongside you to provide what is needed to process your claim. Unfortunately, I cannot guarantee that your insurance company will reimburse you, since insurance policies vary so widely with respect to how psychiatric services are covered.
Questions to ask your insurance provider:
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Are you currently “active”?
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Do you have a deductible? If so, how much as been met year to date? How much remains to be met?
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Do you have a co-pay or co-insurance?
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Do you have a session limit per year?
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Is the policy based on the calendar year or a fiscal year?
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Is there a “pre-existing condition” clause? If so, what are the details?