YOUR INVESTMENTS IN WELLNESS

Insurance overview

I take some insurance plans for psychotherapy (coaching services are not covered by insurance companies and are always self-pay) in Georgia, Washington State, Florida and Wisconsin but It Is Well Psychotherapy mostly takes Private Pay to serve a wider community.

Here are some benefits of private pay:

• You are in control of how many sessions you will receive, not the insurance company.
• Most insurance companies require you to have a diagnosis which can be very stigmatizing. With private pay, you will not have a diagnosis on file.
• Insurance companies can dictate what kind of therapy you get but I believe you should be in control of what kind of help you receive. This even applies to couples and marriage counseling, as most insurance companies do not cover this type of treatment.
• I can provide you with a “superbill.” A superbill is an itemized form used by healthcare providers for reflecting rendered services. This may be used to seek reimbursement for services through your insurance. Not every insurance will reimburse you so it is your responsibility to check and see if that is an option.

Good-Faith Estimate

Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

• You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
• Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises