When you click to schedule a new client appointment with a therapist at Pure Empathy, you will be guided through giving your basic information and scheduling your first appointment. *Please note you will also be required to put a card on file to reserve your spot* When the therapist receives your appointment request, they will approve your appointment and send you back what we call 'intake forms'. These include our practice policies (please read thoroughly) and a few other necessary forms. All of these are set up where you can sign right from your phone or computer (we're tech savvy over here 😉). And that's it, you're ready for your first appointment.
Now, you may have some questions about how to know what is covered by your benefits. If so, there are a few ways to find out. First, you can directly contact your insurance provider and ask what your out of pocket cost will be for service code 90837. This is the billing code we use for a standard therapy session. Getting this information will give you a good idea of your out of pocket cost for therapy. On our end, we bill your first session and wait for the insurance to return your Explanation of Benefits. When we receive this, it will show your financial responsibility for the session. *Please note that much of our system is automated, meaning when the explanation of benefits returns, you will be automatically be billed for the outstanding amount*
Now, there are a few types of out of pocket costs that our clients typically incur when using insurance. I will try to describe them simply and briefly.
1) You have a copay. This means you will owe that set amount (typically featured on your insurance card) for each session. You will be billed this on the day of your scheduled session.
2) You have a deductible. This means you will pay out of pocket for all medical and mental health services until the amount of your deductible is met. The contracted rates with insurance companies can vary, but you will pay the contracted rate for sessions until your deductible is met.
3) You have a coinsurance. This means you pay a portion of the contracted rate for each session and your insurance company pays the other portion. This amount will depend upon your percentage of responsibility.
And, there you go. That's a general overview of the basics of how we handle insurance. I hope this was helpful and clarifying information!
Maritza Barrera, LMFT, CCH, QS
Maritza is a Licensed Marriage & Family Therapist, Certified Clinical Hypnotherapist, and Qualified supervisor. If you enjoy her post, please like, share, comment, or whatever form of digital gratitude you prefer.