In order to support access to behavioral health care 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 when 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.  Preferred method of payment to my small, independently owned business is check, cash or electronic transfer.   

I also work with clients through private payment condition who may not have insurance or an insurance policy other than those with which I participate.   I can provide a Superbill of services if client's wishes to submit for out of network coverage following their payment to me in full.  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 often but not always one service has a more clear cost amount, behavioral health care or therapy 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       $_________