Welcome to the Insurance and Payments section of Holistic Behavioral Solutions, where we prioritize transparency and ease for our clients navigating the complexities of out-of-network insurance benefits. Understanding the intricacies of insurance can be overwhelming, but we’re here to guide you every step of the way, ensuring you receive the maximum benefits available to you.
Understanding Out-of-Network Benefits
What Does It Mean to Be Out-of-Network?
As an out-of-network provider, Holistic Behavioral Solutions does not have a direct contract with insurance companies. However, this doesn’t mean your sessions aren’t covered. Many insurance plans offer out-of-network benefits, allowing you to choose the therapist who best meets your needs, often with coverage rates comparable to in-network options. Many people have asked why we are out of network and the straight answer is to protect our clients. When you are an in-network provider with an insurance company, you make an agreement to limit the number of sessions for the client and “wrap up” your work as quickly as possible. That is the opposite of how we work.
How to Utilize Your Out-of-Network Benefits
Step 1: Verify Your Coverage
Start by contacting your insurance provider to inquire about your out-of-network mental health benefits. Key questions to ask include:
- What is my deductible for out-of-network providers, and has it been met?
- What percentage of the session fee is covered?
- Is there a limit on the number of sessions per year?
- Do I need pre-authorization for mental health services?
- How much do you reimburse for the procedure codes 90837, 90834 and 90791?
Step 2: Attend Your Therapy Sessions
Once you understand your benefits, schedule your sessions with us. Our focus is on providing you with the highest quality care, tailored to your unique needs.
Step 3: Submitting for Reimbursement
After each session, we’ll provide you with a detailed receipt (also known as a “superbill”) that you can submit to your insurance company for reimbursement. This superbill will include all the necessary information, such as diagnosis codes and session dates. We can also bill your insurance company if you have out of network benefits and you will be invoiced for any outstanding fees. We keep your credit card on file and process payments monthly.
Making Payments Simple
Flexible Payment Options
To make the process as smooth as possible, we accept various payment methods, including credit cards, health savings accounts (HSAs), and flexible spending accounts (FSAs). Payment is due at the time of service, allowing you to manage your reimbursements directly with your insurance provider.
We’re Here to Help
Guidance Through the Process
Navigating insurance can be daunting, but you’re not alone. Our administrative team is here to assist you with understanding your benefits and ensuring you have all the documentation needed for reimbursement.
Questions? Reach Out to Us
For any inquiries regarding insurance coverage, payments, or to discuss your specific needs, please don’t hesitate to contact us. Our commitment is to provide you with clear information and support, making your therapeutic journey as stress-free as possible.
At Holistic Behavioral Solutions, we believe that financial considerations should never be a barrier to quality mental health care. We’re dedicated to working with you to maximize your insurance benefits and offer the support you need to achieve wellness and balance in your life. Join us on a path to healing, empowered by understanding and simplicity in managing out-of-network insurance payments.
Insurance Payments and The Holistic Store
While we are thinking that through, boost your connection from the inside out with our wellness supplements and supplies. Check out our store for products that help you feel your best, making it easier to open up and connect on a deeper level.