Insurance FAQS:
In-network (NY and CT): Cigna Evernorth In-network (PA): Capital BCBS; Aetna, Cigna
Out-of-network behavioral health benefits: Not all plans allow out-of-network benefits. If your plan does, your carrier typically will reimburse between 40-70% of the fee. You may also have a deductible, which means you will have to pay up to a certain amount of the services before your plan starts covering some of the cost. If you plan to try for reimbursement, please let me know and I can provide you with a Superbill. However, you will still be required to pay for the full amount of the fee at the time of service.
Here are some questions to ask your insurance carrier to determine if my services are covered:
Does my plan have out-of-network benefits?
Do I have a deductible? If yes, how much is it? Have I met any portion of my deductible with other medical expenses this year?
What PERCENTAGE of the psychotherapy (CPT 90834 or 90837) fee will be reimbursed?
The provider I want to see has an LPC; LCAT; CLAT licensure. Are these licenses eligible for out-of-network reimbursement?