Accepting Most Insurance plans
Aetna
Beacon Health/Value Options
Blue Cross/Blue Shield
Cigna
Emblem Health HMO & Non-HMO
Empire NYSHIP Beacon
GHEA
GHI
MVP Commerical & Medicaid Plans
Magnacare
Optum Behavioral Solutions
United Health Care Oxford
UMR
Tricare/Humana (non-network provider)
Out of network?
Not all plans offer out-of-network benefits, but we encourage you to check with your insurance company for these possible benefits. If your plan does allow you see a provider out of network, your carrier will typically reimburse for 40-70% of that fee. With any out-of-network provider, it is quite common to have a high deductible, which means your insurance company expects you to pay up to a certain amount for your services before your plan starts to cover some of the costs. We may not be in network with your plan AND we can still help. Email us for more information.
Is couples counseling covered?
Insurance companies typically do not reimburse for couples counseling. That’s because mental health parity laws treat mental health conditions as medical diagnoses. The need for couples counseling or family therapy is not a medical diagnosis, so it is not analogous to a physical or mental health issue.
Though plans are not required to cover marriage counseling, some offer it as an additional benefit. It’s important to read your plan documents to get a clear understanding of what is and is not covered. We will do our best to individually determine if your plan covers couples counseling, however, we cannot guarantee this benefit.
Common & Confusing Insurance terminology
Copay: Fixed amount paid by the client directly to the healthcare provider.
Coinsurance: Percentage of allowance that the client pays to the healthcare provider. For example, the client owes 20% and insurance covers the other 80%.
Deductible: Specific amount of money the client must pay before insurance covers any of the costs.
In-Network: The provider is contracted with the insurance company, agrees to charge the client according to their benefits, and will be reimbursed according to the agreed-upon allowance.
Out-of-Network: The provider is not contracted with the insurance companies and can charge the full rate. The client’s benefits aren’t guaranteed.
Health Savings Account (HSA): Like a debit card with pre-taxed earnings to go towards qualifying care-related expenses.
Flexible Spending Account: (FSA) Like an HSA but owned by the client’s employer.