INSURANCE
Insurance and Self-Pay Options for Christian Counseling in Arkansas & Missouri
Insurance & Self-Pay Accepted
We have insurance and self-pay options. If you have any questions about using your insurance, please fill out our contact form and we will be happy to help! Please note that all insurance is dependent on policy and provider.
Arkansas
BlueCross BlueShield
FEP BlueCross BlueShield
UnitedHealthcare
Ambetter
QualChoice
Missouri
UnitedHealthcare
Aetna
Ambetter
Qualchoice
BlueCross BlueShield
CoxHealth Plans
Checking Your Insurance Benefits
Please check your coverage carefully by calling the (800) number on your insurance card and asking your insurance provider the following questions:
In-Network Benefits
- Does my insurance plan include mental health benefits? (CPT codes 90834 & 90837)
- What is my yearly deductible? Have I met my deductible?
- How many sessions per calendar year does my plan cover?
- What is the coverage amount per therapy session?
- How much does my plan cover for an out-of-network provider?
- What is my co-pay amount?
- Do I need a referral from my primary care physician?
- Is precertification or preauthorization required?
Out-Of-Network Benefits
- What is my out-of-network deductible & co-insurance for a mental health office visit? (specifically CPT code 90834 & 90837)
- Do I need a referral from my primary care physician?
- Is precertification or preauthorization required?
- How do I submit claims for reimbursement?
Telehealth Benefits
- Does my policy cover telehealth? (CPT codes 90834 & 90837)
- If yes… Does that apply to any in-network provider or only with a specific vendor? (i.e. MDLive, Doctor On Demand, etc.)
- Is the cost-share waived or am I still required to meet my deductible?
- Is there a specific billing code that needs to be used? (i.e. modifier 95)
Your Health Insurance Benefits & Financial Responsibility (Please Read)
A quote or estimate of benefits and/or authorization does not guarantee payment or verify eligibility. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member’s contract at time of service.
When utilizing your health insurance benefits, it is important that you understand your health insurance benefits before beginning any counseling or treatment.
Since each insurance plan is different, and coverage can vary significantly, verifying benefits ahead of time helps avoid unexpected expenses and ensures that you are fully aware of what your insurance plan covers and what it does not.
Cancellation Policy
We understand that there may be times that you cannot make your appointment.
If you need to cancel your session, please know that we require a 24-hour notice when canceling a scheduled appointment, otherwise, a fee up to the full amount of the visit will be charged. If insured, you, the client, will be responsible for the full cost of the visit normally billed to insurance.
Understanding Your Insurance
Effective Date.
Your effective dates mark the first and last day your policy is active. Many plans renew annually, and when they do, your deductible typically resets as well.
Deductible.
This is the amount you're responsible for paying out of pocket before your insurance provider starts contributing. Once you've met it, you and your insurer split the cost through coinsurance.
Co-insurance.
Coinsurance is the percentage split between you and your insurance company after your deductible has been met.
Copay.
A copay is a flat, fixed amount you pay at each session, with your insurance company covering the remaining balance.
Out of Pocket Max.
This is the maximum dollar amount you'll be required to pay in a given policy period. Once you reach it, your insurance should cover 100% of costs for the rest of that period.
PCP Referral.
Certain insurance plans require a referral from your primary care physician before they'll accept claims for mental health services. If your plan requires this, please send us the referral before your first session — otherwise, claims may be denied.
Out of Network.
Being out of network means we don't have a contract with your insurance provider. If your plan offers out-of-network benefits, you'll pay for sessions directly and can then submit a claim to your insurer for reimbursement.
Superbill.
A superbill is a detailed receipt containing everything needed to file an out-of-network claim with your insurance company.