Payment, fees, Insurance, managed care, eap.

Payment options

Self-pay: You pay the fee at the time of service, and

there is no insurance, or other 3rd party billing

required of me.

My fee is $125, but I offer a sliding scale based on

income and need ($95). A lower sliding scale is

possible for a few spots depending on need, space,

and a good fit.

Insurance: Your costs are determined by your plan.

You pay your deductible or co-pay and I bill

them for the balance. You can self-pay if insurance is

inadequate compared to self-pay.

HSA accounts: These are becoming more common, especially when combined with high-deductible medical plans. The employer and the employee pay

into them, and you can use them to pay your out-of- pocket costs (co-payment or deductible). They cover

any medical costs, and related costs at times also.

Insurance / Managed Care: The insurance and the health care system is complicated and confusing! Please try to verify the specifics

of your plan before you see me so you know what your out-of-pocket

costs will be. I can help with that if you provide me with your

insurance information and date of birth.

Look on the back of your insurance card and call the member number

for Mental Health or Behavioral Health to verify details.

Some companies contract out for their behavioral services, so sometimes counseling companies are a different name than your

medical insurance company.

I am on the following insurance companies provider lists (in general) but please double-check in case your specific plan is different:

Aetna

Cigna

EverNorth

Regence Blue Cross Blue Shield, also other national than Utah's

Regence. An exception to Regence in Utah is usually the University

of Utah employees, because they require members to use their

University services, such as HMHI (usually).

EMI (Educator's Mutual Insurance)

Lyra

Medicare. But...most people have some additional Advantage or

Supplemental plans, and I may or may not be on that one.)

Optum or One Healthcare (most plans)

PEHP (Public Employees Health Plan)

Select Health (not plans, not Signature plan)

United HealthCare (One Healthcare, Optum, UMR)

Other good information to know about insurance and counseling:

*Is there a deductible? Has it been met for this plan year? If you

have a high deductible plan you can pay with an HSA debit card.

If not you pay the full contracted amount your plan specifies until

the deductible is met.

If you have an HSA debit card you can use it for any out-of-pocket

medical costs, including counseling and therapy.

Verifying insurance coverage and out of pocket costs: questions?

*What types of issues are covered? Most require a diagnosis of a

current emotional problem, such as depression, anxiety, etc.

* What is not covered? They may not cover couples counseling,

career counseling, or other life problems unless there is also a

primary emotional diagnosis that is covered.

* EAP plans will cover any life problems for a limited number of

sessions, at no cost to you. They need to authorize services

ahead of time, and you should check with me to see if I can

accept that plan.