Insurance and Fees

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We work with clients who have Cigna, Aetna, BCBS, and United, and many other popular insurance carriers as an out-of-network provider.  Coverage for our services will vary depending on your insurance plan. 

To verify your coverage, you can call the number on the back of your insurance card and ask the following questions:

  • Do I have out-of-network mental/behavioral health benefits? Typically an out-of-network plan is referred to as Preferred Provider Organization Plan (PPO) or Point-Of-Service Plan (POS).

  • Do I have an out-of-network deductible that has to be met first before I get reimbursed? Has any amount of my deductible been covered this year?

  • What is my co-insurance amount? Co-insurances typically range between 20%-40% of the treatment cost. For example, for traditional outpatient therapy, if the cost of the session is $200 you will be reimbursed between $120-$160/session by your insurance company.

  • What is the usual and customary rate covered by my insurance for outpatient psychotherapy?

 

Purple Heart Behavioral Health does not provide managed care, which means, we will not manage your insurance claims and reimbursements. However, if requested, we will provide you with an invoice/receipt for all payments made for outpatient services. You  can then  directly submit the invoice to your insurance provider. If your insurance company covers mental health services (individual therapy, group therapy, consultation, telephone therapy or psychological testing), they will reimburse you directly based on their predetermined customary percentage.

 

FLEXIBLE SPENDING OR HEALTH SAVINGS PLANS

Most flexible spending plans or HSA-Health Savings Accounts typically consider diagnosis related services rendered by a Licensed Psychologist to be qualifying expenses.  Some flexible spending plans may also provide you with a debit card for ease of access for medical/therapy services. You certainly can use that card as well as most major credit cards to pay for your treatment.

PAYMENT OPTIONS

Cash, all major credit cards, money order, certified check, Zelle, and Paypal.

 

Ready to find out more?

Schedule your initial intake session.