Insurance & Payment | life-change-therapy

ACCEPTED INSURANCE

We are in-network with the following insurance companies:

Blue Cross Blue Shield
CareFirst
Cigna
United Healthcare

Hospital Insurance Card Identification D

Please Note: Some of our therapists may still be considered out-of-network until their approval process is complete.

Wondering which therapists are in-network for your plan? Click here to see a current list of our providers and the insurance networks they work with.

Additionally, some of our therapists participate in Medicare and Magellan.

BILLING &PAYMENT POLICIES

To ensure seamless service, any out-of-pocket amounts due will be automatically charged to the credit card on file at the time of your session. If for any reason payment cannot be processed, your next scheduled session may be postponed until the balance is resolved.

Credit Card Policy:
We require all clients to maintain an active payment method on file. If you are using an HSA card, a secondary form of payment must also be provided to cover any costs not covered by insurance, such as out-of-pocket expenses or late cancellation fees.

Accepted Payment Methods:

Visa
MasterCard
Discover
American Express
HSA Debit Cards

Please note: We do not accept cash.

Payment Policy:
Payment is due at the time of service. Most healthcare plans require clients to cover a portion of the fee through co-pays, co-insurance, or deductibles. These amounts are payable at the time of your visit.

FOR IN-NETWORK CLIENTS

Out-of-Pocket Expenses: Before your initial intake session, we will provide an estimate of your potential out-of-pocket costs (e.g., co-pay, co-insurance, deductible) for the services requested. However, sometimes the information we receive from insurance companies may not be up-to-date or accurate. To avoid any surprises, we recommend that clients call their insurance provider to confirm coverage and out-of-pocket expenses.

Keep Us Informed: If your healthcare plan or coverage changes, notify our office as soon as possible.

Disclose All Relevant Insurance Coverage: It’s important to inform us about all the insurance policies you hold, even if we are not in-network with some of them. This ensures that we can explore any potential coverage options and provide you with the most accurate information about your benefits. Failure to disclose this information may result in delays, denied claims, or unexpected out-of-pocket expenses.

Know Your Deductible: Be aware of when your deductible resets, which typically happens when your plan renews. If your deductible has been met and then resets, you may owe a higher out-of-pocket amount.

Verify Service Coverage: Some plans may not cover certain mental health services like family/couples therapy, group therapy, or extended individual therapy sessions. If you plan to switch to a different type of service, contact your healthcare plan to verify coverage before scheduling. You can also ask front office team to run a verification of benefits on your behalf.

HOW TO CHECK INSURANCE BENEFITS ON YOUR OWN

OUT-OF-NETWORK & REIMBURSEMENT

If we are not in-network with your insurance provider, you may still be able to use your out-of-network benefits to help cover the cost of your therapy.

While we don’t submit claims for out-of-network services, we can provide a superbill at your request. A superbill is a detailed statement that you can submit to your insurance company to seek reimbursement for fees you’ve paid out of pocket.

Planning to use out-of-network benefits?

Please let our front office know in advance, and we’ll provide you with a superbill on a monthly basis.

Important:

Not all healthcare plans offer out-of-network benefits. During your intake, we’ll review session costs with you. Once you're scheduled, we’ll email you a list of our psychotherapy service rates for full transparency.

If you'd like to see a provider who is not yet in-network, we’ll let you know before scheduling. You can choose to see an in-network therapist or join a waitlist for your preferred therapist until they are officially in-network. If you move forward with out-of-network sessions, you'll be charged the private pay rate until in-network status is confirmed.

HOW TO CHECK IF YOU HAVE OUT-OF-NETWORK BENEFITS