Insurance and Fees
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OUT OF NETWORK PROVIDER
To determine whether your insurance policy will cover any of Purple Heart Behavioral Health services, you will need to contact your insurance company and ask whether you are covered for mental health services. You will then want to ask if they cover an out-of-network provider who is a Doctoral Level Licensed Psychologist in the state of Arizona.
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. This invoice can then be directly submitted 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.
We do not communicate with insurance companies. Instead, we provide information directly to patients that can be shared with an insurance company. This might include an itemized invoice with all the necessary codes and numbers for reimbursement, or more detailed documentation that your insurance company may request. This gives you a chance to think about the implications prior to communicating the information to your insurance company.
Why we operate this way.......
THREAT TO CONFIDENTIALITY
Our filing insurance on your behalf severely jeopardizes your confidentiality. If we submit a bill to the insurance company on your behalf, your confidential information is processed by that company and then stored in a database. Anyone who is involved in the processing or handling of your claim may have access to your records and anyone who has a legitimate reason to access the medical database, such as future insurers and future employers, can view your confidential records.
THREAT TO FUTURE INSURANCE
The second reason we do not process insurance is because of the possible negative consequences to having a record of mental health services. While we do not believe in the stigma placed on mental health services, we understand it still exists. Health insurance benefits can only be used to treat an illness. So, therapists are required to give a diagnosis that can forever be associated with a patient when using insurance. This can result in increased premiums and even being denied life insurance or turned down for jobs that require a security clearance. If you do not use insurance, no one knows other than who you inform.
THREAT TO THERAPEUTIC RELATIONSHIP
When an insurance company underpays a claim, the billing therapist would have to ask the patient for additional dollars. On the other hand, when the company pays more than expected, patients or their families may believe the therapist was not completely honest with them. Both situations can interfere with our therapeutic partnership.
Cash, all major credit cards, money order, certified check, Zelle, and Paypal.
Ready to find out more?
Schedule a 30 minute complimentary consultation.