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Investment & Insurance

 

Investment

Self Pay Rate

$125 per individual therapy session

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Additional Fees charged for the following services:

1. Writing letters on behalf of a client (e.g. Probation, Verification of Attendance and Completion, etc.).

2. Form completion on behalf of a client.

3. Phone conversations & consultations relating to client cases that exceed 15 minutes.

4. Collection efforts of delinquent accounts.

5. Clients are responsible for “No-Show” and “Late-Cancellation” fee of $125

6. Service fee of 1.5% calculated monthly on balance past 30 days due.

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Why would someone choose to self-pay?

Self-pay means choosing to personally pay for services rather than using insurance. Anyone can choose to self-pay for services. Sometimes clients will opt to self-pay even if they have insurance. Common reasons include the following:

 - Client has more control over the services they would like to receive. For example, some insurance companies limit the type of sessions they will pay for and restrict clients from self-paying for services that are not covered.

 - Client has more privacy. For example, insurance companies require therapists to submit client information (always including client diagnosis) and may need to provide extensive client information if audited for compliance with insurance regulations. Information submitted to insurance companies may become part of a client’s permanent medical record.

 - Treatment does not necessarily need to be framed with a medical model (i.e. giving a diagnosis, sometimes using more assessments to support “medical necessity”).

 

As of January 1, 2022, all self-pay clients are entitled to a Good Faith Estimate (connected to The No Surprises Act – Title 45, section 149.610 of the Code of Federal Regulations). The purpose of this document is to explain expected costs of service and help clients avoid unexpected medical bills.

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Notice regarding Good Faith Estimates

Under the law, health care providers need to give clients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.  You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service, or at any time during treatment.  

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.  

For questions or more information about your right to a Good Faith Estimate, or how to dispute a bill, see your Estimate, or visit www.cms.gov/nosurprises

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Do you offer a sliding fee scale?

We do not commonly offer a sliding fee scale. However, when we have current clients who have a change of insurance or financial situation, we work with clients on an individual basis to consider a sliding fee.

 

Accepted forms of payment

A card is required to be placed on file to confirm your appointment and full payment is due on the day of service. We use Stripe Pay to store your card information. Stripe is a HIPAA Secure Platform. We accept all major credit/debit cards including HSA/FSA cards.

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Insurance

Do you accept insurance?

Evolving Courage Counseling has contracts with Quest and Optum.

If you are not sure if your insurance can be billed through one of these, please contact your insurance company. 

 

What do I do if there are multiple companies listed on my card?

Sometimes insurance carriers cover medical and mental health services through different entities. We may be credentialed with your plan for mental health services even if it seems unclear. You can contact your insurance company directly and check if we are a covered IN NETWORK provider for mental health service. 

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Co-pays

It is the client's responsibility to verify what their co-pay is for services by contacting their insurance company.

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Can you see me if I do not have one of your accepted insurances?

Yes. Clients can self-pay or check to see if they have Out-of-Network Benefits through their insurance provider.

 

What are Out-of-Network Benefits? And how do I use them?

We are out-of-network for you, if you have an insurance we do not have a contract with. If you do not see your insurance listed above, you may be out-of-network with us.

• Verify your benefits by calling the member services number on your insurance card (see questions to ask your insurance company 1-5 listed below).

• When you come for treatment, you pay the full service fee upfront.

• We give you a Superbill for the service you receive. A Superbill is similar to a receipt, but it includes diagnosis codes to show insurance companies that services are medically necessary.

• You send the Superbill to your insurance company and they reimburse you at the percentage you have clarified with them ahead of time for Out-of-Network Benefits

What should I ask my insurance company for Out-of-Network Benefits?

1. Do I have out-of-network benefits for outpatient mental health services?

2. Do I have a deductible for out-of-network mental health services? What is it?

3. What percentage of service costs do you pay once my out-of-network deductible has been met?

4. Are their any limitations of any kind? For example, the length of sessions, number of visits per year, kind of diagnosis covered, in person versus telehealth?

5. Is there anything else I need to know or do to use my out-of-network benefits?

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Cancellation Policy

If you are unable to attend a session and need to cancel or reschedule your appointment, please do so at least 24 hours in advance of the appointment time, and you will not be liable for any fees. Phone, email, or text are all valid ways of communicating your change of plans. No Shows or late cancellations will be charged a full session fee of $125. You are responsible for the late cancellation/no show fee. Your insurance will not cover a late cancellation/no show. 

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Any Other Questions

Please contact us for any additional questions you may have. We look forward to hearing from you!

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