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 | Payment for Services |
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Payment for Services: You are responsible for your charges. Monthly statements from our office will be sent to keep you informed about your account. Statements are folded and stuffed by a confidential contracted service. There are three payment options available: cash, credit card or insurance. Each of these options has certain advantages which may suit your needs.
Advantages and Policies of each option:
Advantages: 1. Protects your privacy by avoiding insurance industry access to information concerning your treatment; 2. Frees your therapist to pursue a course of therapy without managed care restrictions and delays due to policies.
Policies: Clients who pay cash in full for sessions, and are not using insurance will receive a $20.00 discount (discount does not apply to testing). Payment plan arrangements may also be made with the business office.
Advantages: As outlined above for cash accounts, with the addition of managing your cash flow and spreading out payments.
Policies: MasterCard and Visa only. Clients who pay in full with a credit card for sessions, and are not using insurance will receive a $20.00 discount (discount does not apply to testing). Payment must be made at the time of service.
In most cases Processus will be able to bill your insurance company directly. However, this is a service we provide for you and it carries no guarantee of third party coverage. You always remain responsible for your bill.
Advantages: Overall costs may be reduced to copayments and deductible amounts.
Policies: Most insurances do not cover 100%; therefore, a co-payment is due from you on the Date of Service (DOS). If you elect to have us bill your insurance company, you will have 90 days from the DOS to pay the balance in full, regardless of whether or not your insurance company has responded (most insurance companies reimburse within 60 days of billing). Deductibles that are not met require payment in full on the DOS. Insurance requires a medical diagnosis for each procedure - your plan may exclude certain diagnoses and, if so, you will be responsible for charges. Note: Most testing is not insurance reimbursable. Check with your therapist for clarification.
Precertification: Some insurances or managed care contracts require treatment plans or contact from your therapist to precertify further treatment. It is your responsibility to know this and keep track of the services you receive from the clinic and to alert your therapist and/or the office manager at least two weeks prior to the time that the precertification service is needed. For example, if you need a precertification after five sessions it would be wise to discuss this policy with your therapist after session four to determine whether or not a precertification is warranted. If you do not do this and return for a sixth session, you will likely be financially responsible for that session.
Our strongest recommendation is that if you choose to utilize insurance to pay for therapy, stay well informed regarding your policy. We will do what we can to assist you with this, but ultimately it is your responsibility. NOTE: In most cases we will only submit to PRIMARY insurance. If you have secondary insurance, you may need us to provide you with information to submit to your secondary.
NOTE: If you are unable to complete your therapy due to financial hardship, and if you are willing to discuss these concerns with the Business Office, it may be possible to work out a payment plan that is more suitable to your financial situation without jeopardizing the financial operation of the clinic.
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