Fees and Insurance
In keeping with our value of being inclusive, we accept a variety of insurance plans. Network status varies from provider to provider, but if you hold a policy under one of the following major health plans, at least one Kindred Psychology provider will be in-network:
- BlueCross/BlueShield (BCBS)
- Midland’s Choice
- Nebraska Medicaid managed care plans
- UnitedHealthcare + affiliates (UHC, UMR, OPTUM)
Insurance companies may have distinct guidelines for the degree and/or licensure backgrounds of clinicians they choose to include on their provider panels. In addition, some of our providers may have reached volume capacity with certain insurance companies. When making your first appointment, please discuss your coverage with the Client Care Coordinator, and we will help ensure you are matched with an appropriately credentialed clinician.
The fee you pay for services will vary based on your insurance coverage, as insurance companies all differ in terms of what they consider “reasonable and customary” rates. In addition, policies have different requirements about what you are expected to pay during each visit. Some plans set a standard amount you pay each visit (co-pay), while others require you to pay a percentage of the fee each visit (co-insurance). Your plan will also have a percentage you are expected to pay out-of-pocket annually (deductible), and you may have separate deductibles for in-network providers and out-of-network providers. Finally, plans set an out-of-pocket maximum, which is the most you will have to pay for covered services in a plan year. After you spend this amount on deductibles, co-payments, and co-insurance, your health plan pays the costs of covered benefits.
We strongly suggest you contact your insurance carrier to get the details of your specific plan before making your first appointment. You can usually find the number on the back of your insurance card. You’ll want to ask questions such as:
- Do I have a deductible?
- How much of my deductible has been met and how much do I need to meet before services are covered?
- Is (the provider you want to see) an in-network or out-of-network provider?
- If they are out-of-network, do I have a separate deductible? How much is this deductible before I will receive benefits?
- Do I have a co-pay or co-insurance I will pay with each session?
We collect co-insurance and co-pay amounts at the time of session. Not only is this practice required by insurance companies, we find that collecting at the time of service prevents clients from inadvertently accumulating high balances, which may interfere in their care. We have the capability to accept credit cards, debit cards, and HSA cards.
If no one is at the front desk to assist with payment, you may pay with your credit card through the “Pay My Bill” page on this website. We also accept cash, checks, or online banking payments through your bank’s online bill-pay system.