Health Insurance generally works by covering the cost of your care once your deductible is met. From there, your insurance typically covers a percentage (80-100%) of your appointment cost, less a co-payment of $15-50. There are many plans that waive your deductible for mental health coverage. Be sure to check your plan.
I am in network with:
Blue Cross and Blue Shield (NOT OHSU PLUS)
Pacific Source (NOT Pacific Source STANDARD)
Moda (NOT OHSU EPO)
There are multiple different plans from each insurance company, with varying coverage options, including deductible amount, out of network coverage and limits on mental health or tele-psychiatry visits, so call the number on the back of your card to ask about details of your coverage. .
It is important to verify that I am covered under your particular plan.
It is also important to verify if you have tele-psychiatry coverage.
It is important to know what your health benefits are and what the out-of-pocket costs will be based on your specific plan. If you would like me to bill your insurance, I recommend that you contact your company and ask the following:
I have met my deductible, you are in network, now what?
After your appointment your insurance will be electronically billed. You will be charged a co-payment per your insurance policy, that will be billed to the credit card you have on file.
What if I am out of network?
If you have out of network coverage, then your insurance will cover a percentage of your visit. In order to to this, you will have to pay for your appointment out of pocket first, to get a receipt that you can submit. The medical billing document that contains the informations your insurance will need is called a super bill. I will give you copies of everything that you will need to get reimbursed if you have out of network coverage.