Insurance & Fees | Bright Futures Thera

What's the investment in your health & happiness?

Things to consider before using health insurance for mental health therapy:

All insurance claims require a medical model diagnosis, even if one doesn’t exist. This can affect or limit future insurance coverage and may inhibit certain employment opportunities.
The insurance company, not you, decides how many sessions are appropriate for your treatment.
Private information, even under new privacy policies, is shared with insurance companies.
Private information is stored in the Medical Information Bureau where it can be accessed in the future by insurers, employers, etc.
Not all diagnosis codes are covered under insurance. There are many diagnoses which insurance companies may or may not deem medically necessary, which result in denials of claims whether they are in network or out of network.

Payment and Submitting Out of Network Claims

Payment is due in full, at the conclusion of your scheduled appointment. The cost of your counseling services may be eligible for reimbursement or paid through your Health Spending Account, Flexible Spending Account or Out-of-Network Benefits. If you have a Health Spending Account or a Flexible Spending Account that can be accessed with a credit/debit card (usually Visa or Mastercard) I can accept that to pay for your therapy sessions. However, please check with your Spending Account to see what is covered.

I can also accept other forms of payment such as Visa, Mastercard, AMEX, Discover, personal checks, or cash.

My office can provide you with the forms (an insurance superbill) needed to submit to your insurance company for possible reimbursement. I cannot guarantee that you will receive reimbursement by your insurance company for my services provided. That is decided by the insurance company based on your individual plan, and what they cover for behavioral health. Reimbursement can be verified by calling the number for member services on the back of your insurance card. I suggest that you call your insurance company prior to coming to your appointment if you are concerned about reimbursement. If you request an insurance superbill, please keep in mind that your insurance company will require me to give you a "mental health" diagnosis which becomes a permanent part of your insurance and medical records.

Fees for services vary according to type of therapy provided. Please call 678-585-1383 for more information.