Insurance Information
What insurance do you take? How does it work?
We accept Blue Cross Blue Shield and Medicare. If you have coverage through these insurers, this is considered "in-network" insurance. This means your insurer will be billed directly and any copays are due at the time of your visit. If you'd like to use your insurance to offset our fees, we suggest that you call your insurer ahead of time and ask the 3 following questions.
First, inquire about your insurance company's coverage for outpatient mental health care. In particular, ask about the dollar coverage per outpatient appointment for an "in-network" psychiatrist. This can vary depending on the insurance plan and particular contract that you have. It's important to understand this so you can choose the best way to pay for your care.
Second, inquire about the deductibles. This is how much you'd pay out of pocket when you file a claim. Some patients find it's financially prudent to self-pay after they confirm how much their deductibles are.
Third, inquire about the annual maximum that your insurance will cover for outpatient mental health charges. Sometimes, even if a plan provides good coverage for outpatient appointments, they may limit the yearly charges to a prohibitively low amount (ex. $500 per calendar year). At that limit level, even if the per-session coverage is good, the annual limit essentially nullifies the possible reimbursement.
Understanding these insurance plan rules will enable you to meaningfully weigh your financial options.
What if I don't have that insurance? How does that work?
This means that we're "out-of-network" with your insurer. We will provide you with a superbill; this is an invoice you submit to your insurer who will reimburse you directly. Fees are due at the time of your visit. It's important to know the details of your insurance plan, so we suggest you call your insurance company and ask the following 3 questions:
First, inquire about your insurance company's coverage for outpatient mental health care with an "out-of-network" psychiatrist. In particular, ask about the dollar coverage per outpatient appointment for an "out-of-network" psychiatrist. This can vary depending on the insurance plan and particular contract that you have. It's important to understand this so you can choose the best way to pay for your care.
Second, inquire about the deductibles. This is how much you'd pay out of pocket when you file a claim. Some patients find it is financially prudent to self-pay after they confirm how much their deductibles are.
Third, inquire about the annual maximum that your insurance will cover for outpatient mental health charges with an out-of-network Psychiatrist. Sometimes, even if a plan provides good coverage for outpatient appointments, they may limit the yearly charges to a prohibitively low amount (ex. $500 per calendar year). At that limit level, even if the per-session coverage is good, the annual limit essentially nullifies possible reimbursement.
Understanding these insurance plan rules will enable you to meaningfully weigh your financial options.
Can I self-pay? How does that work?
Yes. We accept both direct-pay and some insurance. You can discuss this with your physician for details. We accept payment by cash or credit card (Visa, Mastercard, Discover, and American Express).
