In-network insurance billing refers to when we work directly with your insurance provider, who has a contract with a particular provider. This is often the most affordable option, as we have agreed-upon rates with the insurance company, which can save you money on your mental health care.

Provided by: Joshua Hostetter, Kim Wade, Sarah Canterbury, Stephanie Barnello, Chelsea Howard, Ashley Ohara, Renee Saleh and Dr. Handal

How it Works

• Insurance Negotiates Rates: When you choose an in-network provider, your insurance company has pre-negotiated rates with us. This means you only pay a co-payment or a co-insurance fee for your services, and we handle the billing directly with your insurance provider.  Some policies also come with a deductible, which we bill directly to you as the patient, and report that payment to the insurance company so that it will be applied to your total deductible amount. 

• Lower Out-of-Pocket Costs: Since we are in-network with your insurance company, your out-of-pocket costs are typically lower compared to out-of-network services.
  

Benefits of In-Network Billing

• Lower Costs: Generally, in-network providers offer the most affordable rates due to their agreement with your insurance.

• Convenience: We handle all the billing and communication with your insurance company, which means less paperwork and fewer hassles for you.

• Pre-Authorization Support: In many cases, we can assist in obtaining the necessary pre-authorizations for ongoing therapy or mental health treatments.
  

Insurances Accepted

• Florida Blue

  • BCBS providers

• Aetna

  • Alt. Aetna providers

Out-of-network billing occurs when your insurance company does not have a contract with us. While this means your insurance may not cover the full cost, we can still submit a claim for reimbursement, and you may be able to get partial coverage for your services.

Provided By: The full collective

How it Works

• Submit to Insurance for Reimbursement: If you choose an out-of-network provider, you will pay for the services upfront, and we will provide you with an invoice (also known as a superbill) that you can submit to your insurance company for reimbursement.

• Reimbursement Rates Vary: Your insurance may reimburse you at a lower rate than if we were in-network. The reimbursement amount is typically based on what your plan covers for out-of-network services.

• Out-of-Pocket Expenses: You may be responsible for paying a higher out-of-pocket amount upfront, but you will be reimbursed based on your insurance’s out-of-network reimbursement schedule.
  

Benefits of Out-of-Network Billing

• Flexibility in Choosing Providers: If you have a preferred therapist or provider who is not in your network, this option allows you to continue seeing them without changing your care.

• More Treatment Options: Out-of-network billing often allows you to access a wider range of providers who may offer specialized services not available in-network.

• Customizable Care: You have more flexibility in selecting the type of care and provider that best suits your needs.

Provided by: The Full Collective

Self-pay means that you pay for your services entirely out-of-pocket, without the involvement of insurance. This option allows you to have full control over your mental health care without having to navigate the complexities of insurance.

How it Works

• Paying Directly: You pay for your sessions at the time of service. Payments can often be made by credit card, debit card, check or cash.

• No Insurance Hassles: With self-pay, you are not tied to insurance networks or coverage limitations, and you won’t need to deal with insurance claims or denials.

• Transparency in Pricing: Self-pay provides complete transparency in pricing, so you always know exactly how much you will be paying for each session.

Benefits of Self-Pay:

• No Insurance Limits: There are no limitations on the number of sessions, types of services, or treatment plans that can be covered by insurance. You have complete freedom in designing your care.

• Confidentiality: Self-pay ensures that your mental health treatment is completely private, as there are no insurance records or reports shared with third parties.

• More Control Over Treatment: You have the flexibility to choose the provider, length of treatment, and frequency of sessions without worrying about insurance coverage limitations or pre-approvals.

If you have any questions or need further assistance in understanding your options and selecting the best option for you, don’t hesitate to reach out to us. Our team is happy to help, and will guide you every step of the way.