Tele-Therapy Services

Currently I accept:

• Blue Cross Blue Shield
• UMR/PEIA
• CIGNA: OON (Out of Network)
• WV Medicaid (Wellpoint, Aetna Better Health, and The Health Plan)

If I am not in-network with your insurance, you will be responsible for the private pay rate for your sessions. I can provide a monthly Superbill for you to submit to your insurance company, which may allow you to receive some reimbursement if your deductible has been met. Coverage and reimbursement are determined by your individual insurance plan.

Please note, I do not submit Superbills on your behalf.

Yes, I also offer a limited cash pay option for individuals who prefer not to use their health insurance. 

I agree! 

Insurance can be a gift or the bane of our existence.

Here are some terms that you may find helpful.

IN-NETWORK OR OUT-OF-NETWORK

If your provider is "in-network" with your insurance, this means that we have a contract with them to charge you exactly what the terms of the contract is. This also means that we accept whatever the terms are of your plan: such as deductible, co-pay, or co-insurance.  *More on that later*

If I am "out-of-network" with your insurance plan, this means that I have no specific agreement with your insurance company, and I will charge our usual private pay rate. You will be responsible for the full fee of your session and we will provide you with a "superbill" which will have all of the information for you to submit to your insurance company to request some form of reimbursement. 

COPAY

If I am"in-network" with your insurance company, you may have a copay of anywhere $10-70$ per session that will be your financial responsibility if your deductible has been met. 

DEDUCTIBLE

 A deductible is a set amount that you must meet for healthcare benefits before your health insurance company starts to pay for your care. Co-pays are typically charged after a deductible has already been met.  A deductible can range anywhere from $0-$10,000 for example. 

COINSURANCE

Some insurance companies rely on percentage fee splits versus flat rates. Meaning that the client may pay 25% and the insurance company will pay 75%.

BENEFITS CHECK

When you schedule your intake, the Office Manager will check your benefits. This means that we will call your insurance directly or access your information via insurance site to obtain your estimate. We will pass this information to you to make sure that you have an understanding of what your charges will most likely be. This is an guestimate. We will never truly know that the insurance company will pay until they respond to the claims that have been submitted.  

* I do not claim to be insurance experts*