More on Insurance….

February 1, 2010

Many times, families ask us what their co-pay will be for visits. This is a tricky question. Although we try to help people with this question, the reality is that we never know what your co-pay or deductible is until we submit the bill to the insurance company and get reimbursement. It is not uncommon that we ask an insurance what the co-pay is, only to find that we have been given erroneous information. For this reason, we send a detailed e-mail to all new patients, telling you to call your insurance company to ask these questions. Patients are responsible for payment as signed on the registration form. If we call the insurance company and they tell us the co-pay is $20 per visit but then when we submit the bill, they only cover 50% of the visit, you are still responsible for what the insurance company does not pay. It is impossible for a small non-profit agency to guarantee what the co-pay is before the visit occurs. We understand that this can be frustrating for some people and apologize for this, but try to make it clear that you need to confirm your co-pays and deductibles yourself before the visits occur. Unfortunately, mental health care is not always covered as well as medical care appointments.

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