Cedar Rapids Counseling & Psychotherapy Group, L.L.P.
1. What does therapy cost?
If you have health insurance, your policy may offer mental health care coverage for your psychotherapy. If you do not have health insurance coverage for mental health, you will be required to take on the full responsibility of the psychotherapy fee. You may refer to individual therapists "Agreement for Services" for specific information about fees.
2. How does insurance work?
If you opt to use your health insurance to pay for psychotherapy services, you will find that the process for billing your insurance through Cedar Rapids Counseling & Psychotherapy is much like your experience with most physician's offices. Our billing office will submit a claim to your insurance company and wait for a reimbursement check to be issued to our office. You will be responsible for your portion of the fee (called a "co-payment" or a "co-insurance"). Your therapist will be talking with you at your first session about the methods by which you can pay your portion of the fee. Please note we are happy to take on the task and incur the expense of billing your insurance company, however, if for any reason your insurance company does not provide the reimbursement you thought they would, you will be responsible for the entirety of the fee.
3. How do I use my insurance?
We strongly recommend you make a phone call to the number listed on your insurance card which will allow you to verify your mental health benefits. For instance, there may be restrictions on which therapist you can see or how many sessions insurance will allow for a calendar year. We'd prefer that you not be surprised by your insurance company after you have received your services. Given all the changes that are occurring in the health care industry, we strongly encourage you to educate yourself about your benefits and what you can expect your insurance company to do for you.
Here are some important questions to ask your insurance customer service representative when you make that phone call:
- Do I have mental health coverage?
- Will my insurance pay for psychotherapy services provided by the specific therapist I am interested in seeing?
- Am I required to “preauthorize” psychotherapy sessions before I meet with a therapist? If yes, how many sessions are pre-authorized? Is there an authorization number? Is there a certain length of time in which I need to receive my psychotherapy services?
- What amount am I expected to pay out-of-pocket for each session? (note: it usually a percentage of the total or a set amount)
- Are my mental health benefits subject to a deductible? If so, how much is my deductible?
- Is there a limit to the number of sessions insurance will cover each year? If yes, how many?
- Is there an annual dollar amount limit on my mental health benefits? If yes, how much?
4. Who should I talk to if I have questions about my insurance?
As we recommended earlier, talking directly to a customer service agent who represents your insurance company is the most effective way to answer questions about your insurance benefits. Please feel free to ask general questions of your therapist, as she may be able to answer basic questions about the process of billing insurance companies.
5. Who should I talk to if I have questions about my bill?
As a first step, we would like you talk directly to your therapist if you have any questions about your bill. Most likely she will be able to answer the bulk of your questions. If that is not the case, your therapist will consult with our Independent Contractor ("Health and Management Services") who manages our billing and accounts receivable. Since he is in the office on a very part-time basis, it will be more efficient for you to go through your therapist, rather than waiting for a return call from him.