Questions about Insurance and Payment for Services

In order to support access to mental health support and services, I work with a number of insurance companies.  They are listed below.   It is the client's responsibility to fully understand the behavioral health/mental health benefits of their insurance policy entering in counseling care.  

I work with a billing management company, Heather Moura Billing/HMB, LLC to ensure billing practices with insurance companies are confidential and accurate.  A BAA (Business Associate Agreement) is in place with HMB, LLC.   I will invoice monthly for any payment due.  Check is the preferred method of payment, though an electronic link can be provided upon request.  There is a returned check fee in place and will be charged for any check returned for failed payment. 

I also work with clients through private payment condition who may not have insurance or an insurance other than those I participate.   I can provide a Superbill of services if client's wish to submit for out of network coverage.  I will provide a written GFE (Good Faith Estimate) to those without or not submitting to insurance in order to make an informed decision.  Payment for these services is expected at the time of services.   It is very important to understand that unlike physical medical care where one service has a more clear cost amount, behavioral health care or counseling may not have a clear number of sessions.  Each session will have a clear cost amount and I can make an professionally informed estimate of the number sessions needed to begin effective counseling. 

Questions to ask your Insurance

Questions to ask your insurance carrier about Behavioral Health Coverage

*Do I have mental health/behavioral health insurance benefits?  Yes       No

​*If so, is it covered by the same insurance company as my medical insurance?   Yes        No

​*What is my deductible? and has it been met?    $_________________     Yes      No

*How many sessions per year are covered under my benefit?  __________per year

​*What is the coverage amount per therapy session?      $__________/session

*Do I have a co-pay for each session following my deductible?     Yes       No       $_________