Frequently Asked Questions.
It’s okay to have questions, here are our most frequently asked:
Do you accept Insurance?
Depending on your current health insurance provider or employee benefit plan, it is possible for services to be covered in full or in part. Please contact your provider to verify how your plan compensates you for psychotherapy services. Accepted insurance: Aetna, Blue Cross Blue Shield, United Healthcare, Cigna, & Medicaid (Healthy Blue and WellCare)
Out of Network/Self Pay
If you are out-of-network, you have the option of paying cash for your sessions. You then have the option of submitting a “superbill.” A superbill is an invoice that will have all the necessary documentation for your to submit to your insurance company. Your insurance company will decide if they will reimburse you for sessions. Super bills are provided on a monthly basis, at your request. Lighthouse Therapy & Consulting, PLLC cannot guarantee reimbursement from your insurance company.
Good Faith Estimate/No Surprise Act
Under Section 2799B-6 of the Public Health Service Act and its implementing regulations, health care providers and health care facilities are required to inform individuals who are not enrolled in a group health plan, or group or individual health insurance coverage, or a Federal health care program, or a Federal Employees Health Benefits (FEHB) program health benefits plan (uninsured individuals), or not seeking to file a claim with their group health plan, health insurance coverage, or FEHB health benefits plan (self-pay individuals) in writing (and may also provide it orally, if an uninsured (or self-pay) individual requests a good faith estimate in a method other than paper or electronically), 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.
Payment
Lighthouse Therapy Consulting, PLLC accepts all major credit and debit cards. An active card is required to be on file. The card will be automatically charged 24 hrs before your scheduled session.
Cancellation Policy
Time for session is set aside specifically for you. If you are unable to attend a session, please make sure you cancel at least 24 hours in advance. If you do not cancel your appointment 24 hours prior, a fee of $105 is charged for missed appointments.
**We cannot bill insurance for missed sessions. All late fees are the responsibility of the client.
How frequent are appointments?
It is recommended that sessions are weekly for the first 4-6 weeks. Depending on your goals, sessions will decrease to biweekly or monthly.
Why consider self pay over filing insurance?
Insurance companies require therapists to provide a diagnosis for each client. At times, they may also limit length and number of sessions.
Benefits of self pay instead of filing insurance
I do not have to diagnose you. If I do provide a clinical diagnosis, I am able to keep it completely confidential and it does not become apart of your medical record.
I can utilize the type of treatment I think is best without restriction.
I can see you for as many sessions as you need. Not the number determined by insurance companies.
* At Lighthouse Therapy & Consulting, PLLC we know that a diagnosis is not a bad thing. A diagnosis are a host of symptoms and a way for medical professionals to communicate to ensure clients receive the best care. We understand that it is not an individuals identity.