Insurance

 

Current patients utilizing Aetna, BCBS, Magellan Health and NC State Health Plan for Teachers & State Employees' insurance benefits will be honored.

 

 

Questions about health insurance benefits?

Get started by calling your health insurance company and asking the following questions. You can typically find your insurance company's phone number on the back of your insurance card, or by searching for it online.

 

Before you make the call, some information will make your call smoother and allow you to gather comprehensive details about your coverage. You can also ask the therapist you are considering for this information when you have an initial call with them.

• Provider's full name: Ask your provider for their full registered name. For example, while they may go by "Dr. Jess," their full name in the healthcare system may be "Jessica Jones."

• Provider's NPI: Every licensed therapist has a National Provider Identification. You can ask your therapist for this on your initial call.

• Health insurance card: Have your health insurance card handy, so you have the insurance company's phone number, Member ID number, and any other plan details you may be asked for.

• Full name and date of birth of the subscriber: If you are on your parent’s or spouse's health insurance plan, you may want to have their name and DOB prepared and ready to provide.

• (Nice to have) CPT Codes: CPT stands for Current Procedural Terminology and refers to the type of treatment you are receiving. Ask your provider for which CPT codes you should provide. For example, 90791 for the intake appointment (Psychiatric/psychological diagnostic interview without medical services) or 90837 for ongoing therapy sessions (Individual psychotherapy, 50 minutes).

Call the phone number for your health insurance company's Member Services. You may find this on the front or back of your insurance card. Follow prompts to "Check Eligibility and Benefits" so that you get connected with the right representative.

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Questions about in-network benefits

If your therapist says they are "in-network with" or "paneled" with your health insurance, ask your health insurance company the following questions to verify that (1) you indeed can see them in-network, and (2) how much it would cost to see this provider:

1. Is this provider (full name and NPI) in-network with my health insurance? (Your therapist may not be in-network with your particular plan, so this is important to check!)

2. What is my in-network deductible for outpatient mental health visits?

3. How much of my deductible has been met?

4. What is my copay for outpatient mental health visits?

5. Is this coverage applicable before or after I meet my deductible?

 

Questions about out-of-network benefits

If your therapist says they do not take your health insurance, ask your health insurance company the following questions to understand how much of sessions they will reimburse:

1. What is my out-of-network deductible for outpatient mental health visits?

2. How much of my deductible has been met this year?

3. What is my out-of-network coinsurance for outpatient mental health visits?

4. Do I need a referral from an in-network provider or a primary care physician to see someone out-of-network?

5. How do I submit claims for out-of-network reimbursement?

 

Questions about teletherapy

Are virtual outpatient mental health visits (or teletherapy) covered by my plan?

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Paying Privately

 

Why should I choose to pay for therapy myself?

Paying privately is an out-of-pocket expense without insurance contribution and payment is rendered on the day service is provided. Our current private pay rate is $150 to $250 per 50-minute session.

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There are advantages of private pay that may make the expense worth considering:

 

 

• Services without hindrances, pressure or stigma

  • ​Most insurance providers require a mental health diagnosis in order for therapy to be covered. When clients pay out-of-pocket there is no requirement of a mental health diagnosis for treatment. 

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• Confidentiality & Privacy

  • ​Clients who pay out of pocket are guaranteed that the only people who know details of therapy are themselves and their therapist.  Aside from normal limits to confidentiality, therapy is completely confidential, without any third party being privy to information exchanged in sessions.

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• Finding the right Therapist

  • ​Having a choice is an important factor when it comes to finding someone you trust with your personal concerns. You may, for instance, prefer seeing someone who was personally recommended to you. When you use your insurance plan, your options are usually limited to therapists within your insurance provider’s network.

 

 

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Payment

Credit/debit accepted for payment.

 

 

Cancellation Policy

Compass Life Skills and Counseling requires at least 48 hour's notice should you need to cancel or change your therapy appointment. Failure to provide at least 48 hour's notice will result in being charged for a full session. 

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