Frequently Asked Questions

  • We accept the following insurance.

    • Anthem Blue Cross Blue Shield

    • BlueCross BlueShield

    • State Health Plan

    • Healthy Blue Medicaid (NC)

    • Modern Health (EAP)

    • CareFirst

    • Cigna

    • Aetna

  • Questions about in-network benefits

    If your therapist says they are "in-network with" or "paneled" with your health insurance, ask your health insurance company the following questions to verify that (1) you indeed can see them in-network, and (2) how much it would cost to see this provider:

    • What is my in-network deductible for outpatient mental health visits?

    • How much of my deductible has been met?

    • What is my copay for outpatient mental health visits?

    • Is this coverage applicable before or after I meet my deductible?

    • Are virtual outpatient mental health visits (or teletherapy) covered by my plan?

    Questions about out-of-network benefits

    If your therapist says they do not take your health insurance, ask your health insurance company the following questions to understand how much of sessions they will reimburse:

    • What is my out-of-network deductible for outpatient mental health visits?

    • How much of my deductible has been met this year?

    • What is my out-of-network coinsurance for outpatient mental health visits?

    • Do I need a referral from an in-network provider or a primary care physician to see someone out-of-network?

    • How do I submit claims for out-of-network reimbursement?

    • Are virtual outpatient mental health visits (or teletherapy) covered by my plan?

  • a. Freedom to make decisions regarding your treatment: You will have the ability to choose your therapist, identify problems to be treated, and choose the frequency of therapy sessions. In contrast, most insurance companies make these decisions for you thus limiting your ability to tailor treatment to your needs.

    b. Greater privacy: You have greater privacy when using the self-pay option. Most insurance companies require a diagnosis and details regarding presenting problems and treatment goals. However, there is no requirement to provide a diagnosis when clients pay out-of-pocket. In addition, the insurance company does not need to be provided with information regarding treatment thus making therapy completely confidential.

  • Our therapists are trained, licensed, and experienced, Licensed Clinical Mental Health Counselors (LCMHC), Licensed Professional Counselors (LPC), Clinical Social Workers (LCSW), Licensed Independent Social Worker-Clinical Practice, or Marriage and Family Therapists (LMFT). All of them have a Master’s Degree or a Doctorate Degree in their field. They have been qualified and certified by their state’s professional board after completing the necessary education, exams, training, and practice.

  • Like traditional therapy, the goal of online therapy is to improve one’s well-being, reduce symptoms of mental health conditions like anxiety and depression, and find and treat their root cause. The only difference is that, rather than attending in-person sessions, clients and virtual therapists communicate via video. With online therapy, you can meet with your therapist while staying at home, in the office, or on the go.

    Online therapy, also called teletherapy or virtual therapy, isn’t right for everybody. Individuals who are experiencing an acute mental health emergency, are having thoughts about suicide or harming themselves or others, or who have been diagnosed with a serious mental illness like severe depression or schizophrenia will benefit more from in-person counseling.

  • Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges.

    You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

    You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

    Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

    If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

    Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit cms.gov/nosurprises

 

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