Payment
Payments are due in full at the time of service and can be made by cash, check, or credit/debit card (including FSA and HSA cards).
Insurance
We accept Aetna, ChampVA, Cigna, Humana Military, American Behavioral Health, Sunshine, and CMS/Pedicare. We are a preferred provider for Tri-Care. We are considered an out-of-network specialist provider for all other insurance panels (Blue Cross Blue Shield & Florida Blue), should you want to use your insurance for our services. We do not accept Medicare or United Healthcare.
About using Out-Of-Network Insurance Benefits
If you choose to use your insurance, we are able to submit the claims for all insurances. We are able to coordinate with your insurance company to create a Single-Case Agreement, which means being able to offer services at an "in-network" rate. Please talk to our office staff for more details.
Here are some questions to ask when talking to your insurance provider if you choose to use your insurance:
* Do I have insurance benefits for mental health?
* Can I use Out-Of-Network benefits?
* What is my deductible?
* How much has been met so far?
* How many mental health sessions per year are covered?
* What dollar amount or percentage is reimbursed per therapy session for an Out-Of-Network provider?
* What length sessions are covered? (e.g., 50 min, 60 min, or for couples 75 min)
* Do I need approval from my primary care doctor?
* What forms do I need to file? How do I file these forms?
For couples:
* Are sessions with my partner covered? (Session code would be 90847 if they need this information)
Things to consider when using health insurance:
We believe that it is important that only you and your therapist have control over the direction and content of your treatment. When using insurance, coverage is based on the rules of that insurance company. This means that the insurance company could determine the length of our appointments, type of therapy covered, and number of appointments that they would cover.
In addition, it is a requirement to provide a mental health diagnosis (such as Major Depressive Disorder) when billing insurance, which then becomes part of your permanent medical record.
For Couples: Many insurance companies do not cover couples counseling. If they do cover couples counseling, one individual of the couple would have to be identified as the "patient" and be given a mental health diagnosis. From our point of view, when working with a couple, it is the relationship and not an individual in need of treatment. In fact, most individuals act in a functional way given the difficulties within the relationship. Unfortunately, at this time in our healthcare system there is no billing code or diagnosis for a couple's relationship, which often leads to an unnecessary mental health diagnosis being given.
When paying for therapy out-of-pocket, you and your therapist can determine the best treatment, length of appointments, and there is no diagnosis required. There is no third party involvement and therefore your treatment remains private unless you choose to disclose that information.
This means that we can focus on what is important, you healing and growing, rather than what is necessary as part of the rules of the insurance company.
