Therapy is an investment that comes with serious returns. By taking care of your mental health, you’ll be better able to manage all the other aspects of your life.
WHAT IS AN “OUT-OF-NETWORK” PROVIDER?
Many people that seek out any form of mental healthcare believe that they are required to find a psychologist that is “in-network” and covered by their insurance. This is not necessarily the case.
Flourish Psychology is what’s known as an “Out of Network” provider.
Many forms of insurance in NY today cover 50% to 100% of all therapy and mental healthcare, even if the therapist is not in their network. The only difference is that you pay first, and then your insurance company reimburses you for that payment.
If your insurance does not cover therapy or out-of-network providers, we are still able to accept most forms of payment out of pocket and make sure that you receive the support you need.
WHY DID WE CHOOSE TO BE OUT OF NETWORK?
Flourish Psychology quickly realized that being part of an insurance network would limit patients, leading to restrictions on care that would prevent them from being fully served. That is because, in order to be an
“in-network” provider, you have to:
Make a specific diagnosis and put that diagnosis in the person’s permanent medical record
Limit the number of sessions and what can be covered in those sessions
Provide only specific types of mental health care approaches for only the diagnosed issue
At Flourish, many of our patients simply need support. They may have a condition, like anxiety, but they may also have workplace stress, relationship stress, and other challenges they face. They may benefit from CBT or DBT, or they may need an approach that incorporates many different therapies. Sometimes, they just need a listening ear.
WE’VE CHOSEN TO BE OUT OF NETWORK BECAUSE:
We want you to be entirely in charge of your decision-making
Insurers often try to make decisions for you regarding the types of treatment you can receive, treatment time, and other important considerations
Wellness has no finish line, and we don’t want you to be limited by an insurance policy
The cost to see one of our NYC psychologists is varies depending on the therapist and the service, and then may be partially covered by insurance. We are an out of network provider. Our average cost per session for the majority of our clinical staff is $275. We provide superbills for you to get reimbursed by your insurance if you have out-of-network benefits. Therefore, if your insurance covers 80% for out-of-network care (for example), that means you end up paying $55 per session. Depending on your specific insurance benefits, your out-of-pocket cost could be a little more or a little less. We cannot promise or guarantee what your insurance reimburses.
Please note that to avoid a full session charge, clients should alert the office and their clinician that they need to reschedule their appointment at least 24 hours in advance of the session. This is important, as it can affect your out of network insurance reimbursement.
WHY CHOOSE US:
We work with clients who are ready to make an investment in themselves and their mental health goals. As a boutique therapy practice, we screen clients to determine the best fit, so you can have a more enriching experience with your therapist.
We’ll customize your treatment plan based on your goals.
Call today to schedule an appointment with Flourish Psychology, or to learn more about out-of-network benefits and how you can find out what the process is for receiving care.
About the No Surprises Act
The No Surprises Act, effective from January 1, 2022, is a federal law designed to protect patients from unexpected medical bills, particularly from out-of-network providers. Psychotherapy patients are protected from receiving unexpectedly high bills for services provided by out-of-network therapists during in-network care settings.
Psychotherapists, including Flourish Psychology, are required to provide a good faith estimate of charges for services to self-paying or uninsured patients, before providing care. If a patient receives a bill that is significantly higher than the estimated amount, there is a process in place for dispute resolution.
The act ensures greater transparency, requiring psychotherapists, including Flourish Psychology, to make available clear information about their network status with a patient’s health plan. The No Surprises Act aims to foster transparency and fairness in healthcare billing.
If you are uninsured or are a self-pay patient, then you have the right to a good faith estimate of expected charges prior to receiving services. We include these in all onboarding paperwork.
This GFE is not a contract. It does not obligate you to accept the services listed above.
Keep a copy of this Good Faith Estimate (GFE) in a safe place or take pictures of it. You may need it if you are billed more than $400 than the estimate provided above.