Payments & Insurance
When NOT to use Insurance for Counseling Services
Scenario #1: High Deductible Insurance Plan
In this scenario, you do you have “in-network” benefits with our counselors, but you do not have a “copay” required for counseling services. Likely, we have a contract with your insurance company, who sets the rate to be applied to your deductible. Please talk with your counselor about what this rate is, or call your insurance company. In this situation, it may benefit you to pay the deductible rate, because if you eventually meet your deductible (or out of pocket maximum). At this point, your insurance company may pay for some or all of your counseling appointments for the rest of the year. However, if your deductible is very high ($5000 or more)–like many plans–you may never meet your deductible while attending counseling. Don’t worry, we can help! If you like, you do not have to use your insurance for counseling. We can work out a “cash rate” for counseling that works for you. However, if you choose to pay a reduced “cash rate” in this situation–you may not submit receipts to your insurance for reimbursement or apply it to your deductible.
Scenario #2: An affordable deductible, but there is no copay for counseling.
Scenario #3: I don’t want my insurance company knowing that I see a counselor
While the counselors at Health for Life Counseling Grand Rapids will never share your confidential health information. Some people do not want their health information submitted to insurance companies for a variety of reasons. It is your right to not utilize your insurance and work with your counselor on a cash-rate. *The affordable care act made it illegal for health insurance companies to use a “pre-existing condition” against you. However, this may not be the law of the land forever, so you must make a personal decision about your healthcare information and “diagnoses.” We, at Health for Life Counseling Grand Rapids, are working to “stop the stigma” against “mental health care” and are working to have the healthcare system and society treat the brain and “mental health care” like they do medicine for all other systems of the body–with respect.
Did you know many insurances will reimburse you for Out of Network services?
While many consumers do not realize this, many insurance plans will actually reimburse you (partial or full) for counseling services that you pay out of pocket for. To find out if you qualify for this service, you must call your health insurance company and ask to speak to someone about “out of network” benefits. From there, they will let you know the method for submitting claims to your health insurance plan. Most of them require an invoice from your healthcare provider. All the clinicians at Health for Life Counseling Grand Rapids will be glad to provide you with a monthly invoice, or a cumulative overview invoice. Just ask!