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Chicago, IL | Munster, IN | Miami, FL

PSYCHOTHERAPY & COUNSELING FOR INDIVIDUALS, COUPLES, FAMILIES & GROUPS

HOW MUCH WILL YOU PAY FOR OUR SERVICES

using your health insurance benefits

We are happy to submit claims for services directly to your health insurance carrier. The amount you will have to pay for a service will depend on several things: 1) whether your insurance has contracted with us and recognizes us as an in-network provider, or if they have not contracted with us and therefore they classify us as an out-of-network provider; 2) whether or not your plan pays for out-of-network benefits; and 3) the amount your insurance plan has determined you will have to pay for your deductible, co-insurance, and co-payment.

InTouch will gladly verify your benefits with your insurance carrier. Unfortunately, all insurance carriers communicate a disclaimer after they provide a benefit quote to providers. Because your insurance plan is purchased and managed by you (either through the marketplace or your employer), you have access to the most up-to-date benefit information which we may not have. This means that, though we do our best to provide you with information about what you will be required to pay, the best way to be sure you have accurate information is to call the member services number on the back of your insurance card to ask them what you can expect your out-of-pocket costs to be. To help you be equipped to have a benefits conversation with your insurance company, we have provided some terminology information below.

OTHER PAYMENT OPTIONS

using your health insurance benefits

At InTouch, we do our best to work with patients so that you can receive the services you need. We are happy to contract directly with patients on a fee, and in many cases, we are able to reduce your fee by as much as 30% of our standard fees.

Payment Options

We provide personalized payment links and/or bar codes for you to use to pay your co-pay and co-insurance immediately before or after your session. We will e-mail you an invoice with a payment link so you can pay your deductible and other out-of-pocket expenses. We accept debit and credit cards as forms of payment.

We are willing to negotiate a rate with your insurance carrier

Additionally, if you are covered by an insurance carrier with which we are not contracted, we are willing to reach out to your insurance company to see if we can negotiate a contract with them to become part of their network. However, your insurance carrier would still require you to pay out-of-network benefits until we have a signed contract.

use your health insurance to pay for services

IS INTOUCH IN-NETOWRK WITH YOUR HEALTH INSURANCE CARRIER?

All Clinicians are In-Network with Aetna, Meritain, BlueCross BlueShield of Illinois, Cigna, United Health Care PPO, and Optum. All other health insurance carriers are billed out-of-network. Clients are responsible for all deductibles and out-of-pocket costs.

WHAT TO DO IF YOUR HEALTH INSURANCE HAS NOT CONTRACTED WITH INTOUCH

If your health insurance carrier has not contracted with us, you should consult your plan documents or call your carrier directly to ask them if you have out-of-network benefits, if yes you should ask what your benefits are. In many cases, health insurance plans that have out-of-network benefits will often require you to pay higher out-of-pocket costs than you would with an in-network provider.

Additionally, when your insurance company has not contracted (negotiated a rate) with a healthcare provider, providers will expect you to pay their published fees for the service you receive, therefore, you need to know your provider's out-of-network fees. Do not be caught by surprise, know your benefits, and contract with your out-of-network provider upfront, before you receive services to minimize your out-of-pocket expense.

HOW MUCH CAN YOU EXPECT TO PAY FOR SERVICES YOU RECEIVE FROM AN IN-NETWORK PROVIDER

The amount you will have to pay for services you receive from an in-network provider will vary depending on your plan. Some plans require you to pay a deductible before your insurance carrier will begin to contribute toward the cost of your services. Other plans are written so that you will only have to pay a co-pay or co-insurance regardless of whether or not you have met your deductible. Some will require you to pay a co-insurance until you reach the maximum out-of-pocket costs that your plan will expect you to pay.

understanding your health insurance benefits

What do the terms Deductible, co-pay, co-insurance, and maximum-out-of-pocket mean?

OUT-OF-POCKET MAXIMUM

The term out-of-pocket maximum refers to the maximum amount your insurance plan will require you to pay for your services in one year. Your out-of-pocket costs can most of the time be understood as the sum of your deductible, co-insurance, and copay.

DEDUCTIBLE

A deductible is simply an amount of money your insurance company will require you to pay for your services before they will begin to pay for any part of them. You need to know two things about your deductible: 1) If you will be using out-of-network benefits, it is very likely that the amount of your deductible will be substantially larger than if you use an in-network provider; 2) Some plans may continue to require you to pay a co-insurance or co-payment even after you have met your deductible.

CO-INSURANCE VS COPAY

A Co-Insurance is slightly different from a co-pay. If your insurance plan requires you to pay a co-insurance, that means that they will expect you to pay a percentage of your visit cost. You will have to refer to your plan documents or call your insurance carrier to obtain the exact percentage of your co-insurance.

A Co-pay is a specified amount, determined by your plan, which you will have to pay for every visit regardless of whether or not you have met your deductible or out-of-pocket maximum. What is important to know is that a co-pay can be as little as $10 but as high as $75. Some plans assign a co-pay amount to your PCP that is lower than the amount they assign to other specialty practitioners. Here again, it is best to consult your insurance documents or call your insurance carrier to obtain the exact amount you will be required to pay.

A co-insurance amount is different from a co-payment in that you will only have to pay the co-insurance amount until you have reached your maximum out-of-pocket. A co-payment will in most cases be required regardless of whether or not you have met your deductible or maximum-out-of-pocket.

PSYCHOTHERAPY & COUNSELING FOR INDIVIDUALS, COUPLES, FAMILIES & GROUPS

Discover a Happier You With InTouch Mind Health, PLLC