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Most insurances are accepted, including Indiana Medicaid. If your insurance is not accepted at our practice, we could still provide counseling services as an out-of-network provider. As an out-of-network provider, we will provide you with a statement so you can file your claim with your insurance company. You will be required to pay the fee at the time of services and request reimbursement from your insurance company. We will gladly issue you a receipt along with a monthly itemized statement of services provided to submit to the insurance company. When you use your insurance company, they and your employer can have access to your confidential information, including diagnosis. Often times, if you need to change health insurance or receive life insurance, this information can be researched. I would urge anyone seeking therapeutic assistance to consider the confidentiality consequences and long-term outcomes of using your insurance company.
Some things to think about when choosing to your insurance cover for counseling services:
Insurance limits the number of sessions:
Often, insurance will pay for a limited number of sessions. When you have exhausted a certain number of sessions (depending on the insurance company, diagnosis, and so on) they may not cover future sessions. This interferes with the ability for you to get quality therapy.
Insurance waives your right to your privacy:
In order for you to use your insurance, your therapist must tell your insurance company your diagnosis and other personal information. On the surface, this does not seem like a big deal. However, this information will stick with you as time goes on. This could raise your insurance rates or even cause an insurance company to deny you. If you purchase insurance out of pocket sometime in the future, (lets say you start your own business) you MUST disclose any previous treatment during the application process.
Insurance may limit your choice of Therapist:
The therapists in your area that participate with your insurance carrier may not specialize in your particular need. The decision you face then is do you choose a therapist who takes your insurance and is near you, or the therapist who routinely handles your specific need.
You still have to pay your deductible:
Even when using your insurance, depending on your plan, you still may have to pay a deductible, which may be $500, $1000 or more.
If you have an employer that has established a Health Savings Account or Flex Account this a great alternative to using insurance and will keep your information private at the same time, as well as avoiding common insurance hassles. A Health Savings Account can save you up to 35%.
The client (or guardian in the case of minors) is considered responsible for payment of professional fees. It is the client’s responsibility to know if services are covered and the amount of their deductible and/or co-payment. When we are asked to bill a third party, such as a divorced spouse, relative, or insurance company, and that third party fails to make timely payments, payment is expected from the client or referring parent that signed the consent for services. The client will be responsible for fees for claims that are denied (e.g., due to exceeding the number of available sessions, if new coverage has not begun or if insurance has changed, filing past the insurance carrier’s time limit, etc).
Cash and credit cards are accepted for payment. NO CHECKS ARE ACCEPTED.
Except in case of an emergency, a $50 fee will be assessed if we do not receive a 24-hour notification to cancel or reschedule a scheduled appointment.
Past Due Accounts
We send out several letters to clients with past due accounts in an effort to provide an opportunity to pay in full or make a payment plan. If a client has not made good faith efforts to pay their bill, the overdue account may be assigned to our collections agency and all collection costs associated with the debt will be the client’s responsibility. We also reserve the right to assign the account to small claims court, depending upon the total balance due. ALL OUTSTANDING ACCOUNTS (60 DAYS OR MORE) WILL RESULT IN 10% (OF THE BALANCE) LATE FEE EACH MONTH UNTIL THE BALANCE IS PAID IN FULL.
Elevated Minds LLC