We understand that navigating insurance benefits can be confusing. CT Affirmative Therapy makes every attempt to be transparent about fees and how much you will owe per session. However, there are times when insurance carriers provide inaccurate or incomplete information to us. Therefore, it is always a good idea to check your benefits before beginning treatment. Here are some questions that can assist you with this conversation:
1. Do I have a deductible for in-network mental health benefits? If so, have I met the deductible?
Many health plans now have deductibles, which vary based on your coverage. This means that you will owe the full fee for your session at the insurance adjusted rate until you have met your deductible. After that amount is met, some plans will fully cover your sessions and others will still require a copay or coinsurance.
Many health plans now have deductibles, which vary based on your coverage. This means that you will owe the full fee for your session at the insurance adjusted rate until you have met your deductible. After that amount is met, some plans will fully cover your sessions and others will still require a copay or coinsurance.
2. Do I have a limit on sessions covered per year?
Some plans limit the number of sessions they will cover during your coverage year. If your sessions are limited, always be sure to ask how many are covered.
Some plans limit the number of sessions they will cover during your coverage year. If your sessions are limited, always be sure to ask how many are covered.
3. Do I have a copayment?
Some plans require a copayment be made at the time of service. Your plan may require you to pay a fixed amount or a percentage, which would be charged at the time of service.
Some plans require a copayment be made at the time of service. Your plan may require you to pay a fixed amount or a percentage, which would be charged at the time of service.
4. Do I need preauthorization for psychotherapy benefits?
Some health insurance plans require preauthorization before they will cover your sessions. If this is the case, your insurer's representatives should be able to help you begin this process.
Some health insurance plans require preauthorization before they will cover your sessions. If this is the case, your insurer's representatives should be able to help you begin this process.
5. What if I don't have insurance or can't/don't want to use my insurance benefits?
If you do not have or are not using your insurance benefits we will provide you with a Good Faith Estimate (GFE) for services we expect you to receive over the course of a six month period. This is a legal requirement set forth in the federal "No Surpises Act" that went into effect in January of 2022. The act is designed to help patients understand the cost of care and not be surprised by bills. You can see what your Good Faith Estimates (GFEs) look like by following this link.
If you do not have or are not using your insurance benefits we will provide you with a Good Faith Estimate (GFE) for services we expect you to receive over the course of a six month period. This is a legal requirement set forth in the federal "No Surpises Act" that went into effect in January of 2022. The act is designed to help patients understand the cost of care and not be surprised by bills. You can see what your Good Faith Estimates (GFEs) look like by following this link.
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