Insurance Questions

Do you accept insurance?

 

I accept most UHC (UnitedHealthcare) and HMSA (Hawaii's Blue Cross and Blue Shield) plans. I am a boutique-style private practice that seeks to offer high quality, individualized attention to each client and am firmly committed to each person’s privacy and confidentiality.  I can’t meet those goals being in-network with insurance companies. 

 

I can offer you a receipt ("Superbill") to submit for reimbursement if you have out-of-network benefit coverage.

 

If you don't take my insurance, can I be reimbursed for some of the fee?  

 

Possibly!  If you have health insurance you may have out-of-network, telehealth mental health coverage.  If you do, here is how it would work.  At the time of your session you would pay for your service ($140 for 60-minutes) directly to Sensitive Soul Therapy.  At the end of each month I will provide you with a receipt that you submit to your insurance company. 

 

If there is a deductible, the insurance company will apply the amount you paid to that number.  If you have met your deductible, or there is no deductible, the insurance company will reimburse you for some or all of your session fees.  

 

Please check with your insurance company before deciding to use your benefits.  I make no guarantee that you will receive reimbursement (or how much reimbursement) from your insurance company.  Every insurance company is different and every plan varies. 

 

How do I find out if I have Out-of-Network benefits?

 

Call the customer service number listed on the back of your insurance card.  Here are some questions you may want to ask:

 

  • Do I have out-of-network behavioral health benefits?

  • If yes, is procedural code 90837 [60-min psychotherapy session] with Modifier GT (therapy done online through telehealth) covered? 

  • If yes, is the telehealth standard for out-of-network behavioral health coverage, or just during Covid-19 response dates?

  • Do I have an out-of-network deductible?

  • If yes, is this deductible combined with my in-network deductible, or is it separate?

  • How much of this deductible has been met this year?

  • Do I have a co-insurance for out-of-network services once my deductible has been met?

  • Is any pre-approval required before obtaining out-of-network outpatient behavioral health services? (This answer is almost always "no".)

  • Is there a maximum number of session I am covered for each year? (This answer is almost always "no.")

  • How much of the $140 session fee will be reimbursed?

  • My therapist will give me a "Superbill" receipt each month. What is the reimbursement process for out-of-network claims? 

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