using insurance or out-of-network
See below for information on the No Surprises Act!
Insurance
Insurance policies differ in various ways and this can be confusing or overwhelming (even for us).
It is always helpful to contact your insurance company directly for details regarding your specific policy. Some important questions to consider may include:
Does my policy cover outpatient mental health services? How about telehealth?
What will I need to pay out-of-pocket?
And - if your provider is not contracted with your insurance company - Does my plan allow for reimbursement with out-of-network providers?
If so…what percentage of the contracted rate do I need to pay?
If you are using your insurance for therapy, we ask that you fill out your paperwork at least 72 business hours before your appointment so that we may attempt to have your benefits verified ahead of time. We will do our best to find out what your payment for sessions will be, but it is ultimately your responsibility to know and understand your insurance coverage.
Out of network benefits
Some insurance policies may reimburse you for visits with out-of-network providers.
We can offer you a monthly statement (called a “super bill”) that you would send in to your insurance company for potential reimbursement if your policy offers reimbursement. You would pay the full fee of the session and then send the statement in to your insurance company and they would reimburse you if your plan allows for any reimbursements for out-of-network providers.
No Surprises Act
Effective January 1, 2022, a ruling went into effect called the “No Surprises Act” which requires healthcare providers to offer a “Good Faith Estimate” regarding out-of-network services. The Good Faith Estimate (GFE) works to show the reasonably expected cost of items and services to meet your healthcare needs based on information known at the time the estimate was created. The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. Under Section 2799B-6 of the Public Health Service Act (PHSA), health care providers are required to inform individuals who are not enrolled in an insurance plan, or who are seeking care with an out-of-network provider, a Good Faith Estimate of their expected charges. This is to be provided in writing upon beginning services, upon request from you as the recipient of services, and upon any change in estimated cost of services based on changes in need.
The Good Faith Estimate is not a contract and therefore does not require you to obtain the items or services provided through Out of the Woods Therapy. The foundation of a good therapeutic relationship between a client and therapist is the client’s right to autonomy and self-determination. Therefore, you (as the client) have the right to terminate services at any time.
If you are billed for more than the Good Faith Estimate, you have the right to dispute the bill.
You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.
You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.
There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on the Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.
For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call 1-800-985-3059.