|
Menu
___________________
Home
About the Doctor
Services Provided
Fees and Payment
Insurance
Fort Smith, AR Contact Info
Rogers, AR Contact Info
Patient Forms
Resources
|
|
Insurance
We are an in-network provider with the following insurance companies:
Medicare
Blue Cross Blue Shield
Aetna
Aetna Signature
First Health
HealthSCOPE Benefits/Employer's Health Choice
TRICARE Authorized Provider
Humana/Lifesynch
Multiplan including Worker's Comp
QualChoice
HealthLink
United Health Care/Optum Health
Sometimes out-of-network covers even more than in-network. We are currently out-of-network with Cigna, Mercy/Coventry, and Federal Blue Cross Blue Shield. We do not accept Medicaid.
We may become in-network with other insurance companies at a later date. Feel free to check back with us by phone, email, or on this web site. Health insurance plans and benefits vary. Call our office and we will be happy to check on your benefits for you.
If you use insurance to cover all or part of the cost of your therapy, you will still be responsible for all co-pays or co-insurance and meeting your deductible (if applicable). If you're hoping to use insurance to cover our sessions, we encourage you to educate yourself about what your particular plan covers (and what it doesn't) because payment for the sessions are ultimately your responsibility. If you find that you have out-of-network benefits, you will need to pay us directly and your insurance company will reimburse you (usually partially) upon processing of your claim. Please see reasons below why a patient might choose not to use their insurance coverage to help pay for sessions. This is a choice for anyone whose insurance does not require that they use their benefits when they see a doctor (i.e. Medicare).
Questions to ask your insurance provider prior to setting up your first appointment
If you would like to investigate the possibility of insurance coverage, please check your policy carefully and ask the following questions of your insurance provider:
Do I
have mental health benefits which cover treatment by a licensed
psychologist?
What
is my deductible and has it been met?
What
is my co-pay
or co-insurance for a session if I see an out-of-network provider?
How
many mental health sessions per calendar year does my insurance plan
cover?
How
much does my plan reimburse for an out-of-network mental health
provider?
Is
prior authorization or a referral required from my primary care
physician?
Self-Pay
Many clients choose not to involve insurance companies in their mental health care. Some people choose to pay out-of-pocket because they like to know that no personal information will be disclosed to any third party (such as a health insurance company that authorizes services related to mental health or substance abuse, an insurance company that offers disability or life insurance coverage, etc.). If so, their counseling is not limited by the diagnosis, treatment plan or session limits that health insurance companies dictate. Insurance companies often limit the number of sessions and even the type of therapy.
To have therapy services covered under insurance, a mental health diagnosis must be made. This then becomes a part of your permanent health care record. This may lead to limitations such as denial for quality life insurance later on. Additionally, the insurance company can demand to know a lot of information about you in order for your treatment to be covered. The insurance company can review all of your records at their discretion.
By paying privately or out-of-pocket, we can assure private-pay clients of the highest degree of privacy, flexibility and control of their mental health record allowed by Arkansas state law. This is because records are exempt from insurance reporting and random compliance audits under these circumstances. Our work would be off record.
In addition, many insurance companies require a deductible to be met before they start paying, so you may be paying full fee out-of-pocket for at least part of your treatment under any circumstances.
We will work collaboratively to decide how often to attend therapy and you decide what you want to focus on. You have the control, not the insurance company.
Cancellations Policy
Same-day
cancellations (unless due to an emergency, such as an extreme weather
situation, contagious illness or a death in the family, etc.) may
incur the regular charge. If we close the office because of weather
or emergency and you have a scheduled appointment, we will call you
as far ahead of time as possible to reschedule. Please do us the same
courtesy.
|