Professional Therapy Fees
Free 15 Minute Consultation
Therapy Intake/Initial Appointment: $200.00
60 Minute Therapy Session: $150.00
45 Minute Therapy Session: $125.00
30 Minute Therapy Session: $100.00
Insurance
If you have a health insurance policy, it may provide full or partial coverage for mental health treatment. With your permission, Best Telemental Help will verify your insurance benefits and check your eligibility prior to your first appointment. However, you are ultimately responsible for knowing your coverage.
The following is a list of questions you should ask your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
- Is prior authorization required?
Prior Authorization
In some instances, prior authorization from your insurance company may be required before they will cover therapy fees. Best Telemental Help will verify whether or not prior authorization is required when they check your eligibility and benefits. Some insurance companies require that the provider/therapist obtain prior authorization. If this is the case, Best Telemental Help will obtain authorization for you. However, some companies require that the member/patient obtain authorization. It is your responsibility to obtain prior authorization if it is required. If you do not, you may be responsible for full payment of the session fee.
Co-Insurance, Co-Payment and Deductible
Many insurance policies leave a percentage of the fee (co-insurance) or a flat dollar amount (co-payment) to be covered by the patient. Either amount is to be paid at the time of the visit by debit or credit card. Some insurance companies may also have a deductible, which is an out-of-pocket amount, that must be paid by the patient before the insurance company is willing to pay any amount for services. This will typically mean that you will be responsible to pay for initial sessions with your therapist until your deductible has been met; the deductible amount may also need to be met at the start of each calendar year. Any co-payment, coinsurance or deductible amount is to be paid at the time of your visit by debit/credit card.
Clinical Diagnosis
You should be aware that most insurance companies require your authorization in order for your therapist to provide a clinical diagnosis. (A clinical diagnosis is a technical term that describes the nature of your problem(s) and whether it is a short-term or long-term problem(s).
Best Telemental Help is In-Network with the following Insurance Plans:
- Aetna Commercial Plans
- Aetna Better Health of Kansas
- Aetna Medicare Advantage and Aetna Senior Supplemental Plans
- Ambetter by Sunflower Health Plan
- Blue Cross Blue Shield Commercial and Medicare Advantage Plans
- Cigna Behavioral Health
- Kansas Medicare
- Magellan
- MultiPlan
- ProvidersCare
- Sunflower Health Plan
- Tricare West
- United Healthcare Commercial Plans
- United Healthcare Community Plans
- UHC Medicare Advantage and AARP Medicare Complete PPO Plans
- Wellcare by Allwell
Out-of-Network Benefits
If your therapist is not a participating provider for your insurance plan, they will supply you with a receipt of payment for services, which you can submit to your insurance company for reimbursement. Please note that not all insurance companies reimburse for out-of-network providers. If you prefer to use a participating provider, we will refer you to another therapist.
Self-Pay
There are many benefits to self-pay vs. insurance:
- No diagnosis is required for self-pay patients. While a diagnosis for some can be beneficial, for others it could have consequences. It could compromise one’s ability to obtain life, health, or disability insurance.
- Your goals and treatment will be determined by you and your therapist as a self-pay patient. When using insurance, your therapist’s choices and treatment options may be limited as insurance determines what is considered “medically necessary” and could deny a certain diagnosis, number and length of sessions, and treatments.
- There are no limits placed on treatment. Due to insurance guidelines, limitations are often placed on your therapy process; including, but not limited to, how many total sessions you receive, how many sessions per week, or even how long of a session you may have. This does not always align with your treatment recommendations and inhibits your progress.
- You will have complete privacy. When using insurance, your information (diagnosis, nature of issues seeking counseling, treatment goals, how long the issue has persisted) is all shared with your insurance, anyone involved in processing and handling the claims, and future employers.
- You can receive the specialized treatment you are seeking with your therapist. Even though your therapist may not be paneled with your particular insurance, it will be more beneficial to your mental health to receive short-term treatment and pay out-of-pocket, than to use insurance, long-term, with a provider that is not trained in your particular concern.
Payment
Debit cards, all major credit cards and health savings accounts are accepted forms of payment. Best Telemental Help requires that a credit or debit card be on file to ensure that any fees due are paid on the day of service. If you refuse to pay your debt, Best Telemental Help, LLC reserves the right to use an attorney or collection agency to secure payment.
No Show/Early Cancellation Policy
If you need to cancel or reschedule a session, we ask that you provide 24 hours’ notice. If you miss a session without canceling, or cancel with less than 24 hours’ notice, our policy is to collect the amount your insurance company would reimburse us for the session. If you are utilizing Out of Network benefits or are self pay; we will charge our full fee of $150. Exceptions: 1.) If you and your therapist agree that you were unable to attend due to circumstances beyond your control. 2.) If you are ill and do call before the appointment, there will be no charge. It is important to note that insurance companies do not provide reimbursement for canceled sessions; thus, you will be responsible for the portion of the fee as described above.
Any Other Questions
Please contact us for any additional questions you may have. We look forward to hearing from you!
