Insurance Information

Insurance Information

Does The Counseling Center accept insurance?

The Counseling Center is in-network with the insurance plans listed below and will file claims on your behalf with those carriers. If we are out-of-network with your insurance plan, we will provide you with an invoice to submit to your insurance company (known as a Superbill). Please contact your insurance carrier to find out if you are eligible for out-of-network benefits. Therapy is a deductible expense for your HSA or Flex Spending Accounts.  Clients automatically receive Superbills via the Client Portal on the 10th day of each month.  Submit the Superbill with the reimbursement claim form you get from your insurance company.

Submitting a Superbill is not a guarantee of payment.  Therefore, if you plan to file for reimbursement, call your insurance carrier before scheduling your first appointment with The Counseling Center. This way, you can determine your carrier’s policy on covering counseling sessions. On the back of your benefits card is the number to call for information.

Jason Lynch is currently in-network with the following insurance companies:

How can using insurance impact care and expose my health records to review?

You and your therapist will come together to tailor a plan for your life and situation. However, when a counselor is part of a managed care network, the insurance company may only pay for specific diagnoses. They dictate the length and type of treatment covered. However, counseling is highly personalized, and there is no “one size fits all” approach. It is very subjective, and insurance company interference can hurt the process more than help.

Likewise, most plans only allow for a certain number of sessions. They will determine when it is time to terminate treatment regardless of whether you finished the process.

For counseling to be effective, you must feel free to disclose difficult and sometimes painful information. This is especially true for clients with a history of trauma or those seeking treatment for addiction. If a counselor is part of an insurance network, that provider must share all details with representatives of the insurance company when requested.

Benefits of using an out-of-network provider such as The Counseling Center?

The Counseling Center will not share any information with any insurance company unless you specifically request it by signing a Consent for the Release of Information. Should you choose to file for reimbursement, The Counseling Center must only provide an official diagnosis code (such as “F10.20 Alcohol dependence, uncomplicated”).

Good Faith Estimate for Healthcare Items and Services

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services. You also have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

The Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created. Actual items, services, or charges may differ from the good faith estimate

• If you are an existing patient, this estimate only takes into account sessions moving forward from the date of the estimate. It does not include any work that we have done thus far. The estimate includes the number of sessions I would anticipate us needing over the next 12 months.

• The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.

• The good faith estimate is not a contract and does not require the uninsured (or self-pay) individual to obtain the items or services from any of the providers or facilities identified in the good faith estimate.

• A note about diagnosis codes: Federal Law requires that certain elements be contained in this Good Faith Estimate. One of those elements is a diagnosis code. You may ask, “How can you assign a diagnosis code when we haven’t met yet?” Please know that the diagnosis listed here is based on the information you have provided thus far. It may or may not be the diagnosis that is made after we meet. If you have any questions about your diagnosis, you can ask your therapist at any time.

For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call our office at (317) 754-0808.