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I no longer accept insurance and am considered out of network. Assessments will be a flat-rate of $165 due to the amount of time I use before, during, and after an assessment to prepare for a client's needs and open the chart. Follow-up appointments are a flat rate of $150 per 55 minutes. I reserve a limited number of spaces with a reduced rate for clients who qualify based on proof of low-income.
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GREAT QUESTION!
Insurance companies require clinicians to give a mental health diagnosis regardless of whether we believe it is necessary. Many people seek therapy for a multitude of reasons and not all require a diagnosis. However, most insurance plans will not cover any costs if there is no diagnosis
There is a risk of losing confidentiality when filing in and out of network benefits. Most insurance companies require detailed information about a client's treatment in order to deem therapy "medically necessary". If you choose to use your OON benefits, clinicians are required to give them the information they request.
Once information gets to your insurance company, it goes on your permanent health record. Information such as diagnoses, substance use, personal history, summaries of your treatment and/or notes from your record become part of your health record. This can impact your experience in obtaining other insurances in the future, including health and life insurances.
Insurance companies often times heavily dictate the treatment healthcare providers offer their clients. This can be very restrictive and many times does not line up with our clinicians training and ethical codes.
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Effective January 1, 2022, the No Surprises Act, which Congress passed as part of the Consolidated Appropriations Act of 2021, is designed to protect patients from surprise bills for emergency services at out-of-network facilities or for out-of-network providers at in-network facilities, holding them liable only for in-network cost-sharing amounts. The No Surprises Act also enables uninsured patients to receive a ‘good faith estimate’ of the cost of care.
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You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.
Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment and hospital fees.
Make sure your healthcare provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
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.