Concierge Billing for Out-of-Network Insurance
We do provide convenience billing services to those wishing to use out-of-network insurance. Pinnacle Psychology will submit a claim on your behalf to seek direct reimbursement for services after paying out-of-pocket. Prior to your first appointment, if requested, you will receive a step-by-step guide on how to use your out-of-network insurance benefits at Pinnacle Psychology, PLLC.
We gladly will submit reimbursement claims on your behalf*, free of charge. When starting therapy, people are most often at a place in their life where they are overwhelmed, and dealing with insurance companies can seem daunting. As such, we will do our best to make this process as simple and easy as possible, so you can focus on your mental health treatment and reaching your Pinnacle Mental Health.
*This service is not available for those with BCBS plans.
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.
I’d recommend asking these questions to your insurance provider to help determine your benefits:
- Does my health insurance plan include mental health benefits?
- Do I have a deductible? If so, what is it and have I met it yet?
- Does my plan limit how many sessions per calendar year I can have? If so, what is the limit?
- Do I need written approval from my primary care physician in order for services to be covered?
Payment Options and FAQ
Will my health insurance plan cover the cost of treatment?
Pinnacle Psychology will provide invoice statements with all the necessary information needed for you to submit the claim to your insurance company. This will allow for partial-to-full reimbursement, depending upon your specific insurance plan. Since many insurance companies support ‘out-of-network’ coverage, most will reimburse between 50%-100% of charges after deductibles, thus a portion or most of your care could be covered. For your specific insurance benefit plan coverage, please give your insurance carrier a call for more information.
Why “Out-of-Network” coverage?
Forever, mental health insurance reimbursement has been significantly less than any other field of medicine, despite the fact that mental health visits require more time spent with each patient. Insurance companies mandate quick, short visits that only allow for limited treatment. As each patient is aware, this time spent with the psychiatrist is so important. Taking the time to go over symptoms, reviewing history, examining and discussing treatment options, reviewing and adjusting medications, explaining the risks and benefits of all treatments (including medications), providing brief supportive and cognitive therapy, talking with family, coordinating with counselors (when needed), providing the best treatment referrals needed (not just providers on a handout list), and coming to an inviting office with front office staff that welcomes you). As “out-of-network’ providers, The Arizona Schwartz Group can provide the comprehensive care each patient deserves. This allows for much greater flexibility and time devoted to your care without the pressure or mandate by health insurance carriers. Payment is requested at the completion of each session.
I accept cash, check, Health Saving Accounts, and all major credit cards as forms of payment. I also accept payment directly through the client portal.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. Otherwise, you may be charged for the full rate of the session.
Any Other Questions
Please contact me for any additional questions you may have. I look forward to hearing from you!