How do fees and insurance work with therapy?
Therapy is a covered service with most major insurance companies. In keeping with our value of being inclusive, we accept all major insurance companies (BCBS, Aetna, Midland’s Choice, Nebraska Total Care, Tricare, UHC, UMR), Medicaid and Medicare. Some of our providers have elected to remain out-of-network with certain companies, or may have reached volume capacity with certain insurance companies. Insurance companies (such as Medicare) may also have guidelines for the degree backgrounds of clinicians they choose to include on their provider panels.
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 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 100% of the costs of covered benefits.
We strongly suggest you contact your insurance carrier to get the details of your plan before making your first appointment. You can usually find the number on 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 do collect co-insurance and co-pay amounts at the time of session, as we find this prevents clients from inadvertently accumulating high balances, which interfere in their care. We have the capability to accept credit cards, debit cards, and HSA cards. Alternatively, you may pay through the “Pay My Bill” page on this website with your credit card. We also accept cash, checks, or payments through your bank’s online bill-pay system.