Insurance | Cerebral Counseling

INSURANCE & FINANCING POLICIES

At Cerebral Counseling, we understand that every situation is unique. Our office will file claims with your insurance company or provide private pay options based on your needs.

In-Network Payers

Aetna

Anthem

BlueCross BlueShield

Cigna

Magellan EAP

Medicaid

Medicare

Optum EAP

Tricare West

UMR

UnitedHealthcare

Please ask our team if you don’t see your plan, it might be covered through our in-network payers via partner companies.

Coverage & Benefits

Every insurance plan is different, but we will be happy to help you understand your coverage and benefits. Before your first appointment, verification of benefits will be uploaded into your portal account with a breakdown of your individual coverage. Additionally, we can process an estimation of costs on your behalf at your request per services rendered. We’ll be your partners in the insurance claims process, so please don’t hesitate to let us know if you have questions.

We are also able to work with patients who have Health Savings Accounts or Flexible Spending Accounts as part of their insurance coverage. We can accept payment through these accounts in some cases, or we can provide information to document the treatments you’ve received for reimbursement.

Out-of-Network Payers

Not all plans will cover you if you go out of network. And, when you do go out of network, your share of costs could be higher. Some plans may have higher cost-sharing provisions (deductibles, copay, and coinsurance) that apply to out-of-network care. But, depending on your plan, out of network benefits are quite comparable to in-network benefits! It is the patient’s responsibility to contact out-of-network insurance providers in order to determine coverage eligibility. If you need any information from us, please don’t hesitate to reach out. We can review your coverage and help you maximize benefits. For out-of-network users, payment will be due at the time of service. Our office will utilize courtesy billing on our end to assist you in the out-of-network process.

Private Pay

Cerebral Counseling is pleased to offer private pay. Our office uses quotes from the Fair Choice Health Consumer website to guarantee fair prices comparable to in-network plans. For private pay users, payment will be due at the time of service. Please call our office to inquire.

Cancellation & No-Show Policy

Since the scheduling of an appointment involves the reservation of time set aside especially for you, a minimum of 24 hours notice is required for rescheduling or cancellation of an appointment. If, for any reason, a session is canceled less than 24 hours prior, a fee of $25 will be charged to the card on file. Please note that most insurance does not reimburse for missed sessions. At Cerebral Counseling, we understand life happens – we will waive the fee for the first instance of a late cancellation.

A no-call/no-show is when a client misses an appointment without canceling in advance or does not make an attempt to reach us regarding the cancellation. A fee of $25 will be applied for a no-call/no-show appointment and will be immediately charged to the card on file. We understand emergencies happen so we will always evaluate on a case-by-case basis to see if the fee can be waived for an emergency situation.

Understanding Insurance

Insurance can be frustrating and complicated to navigate. Our office will do everything we can to help you understand your specific plan. To assist further, you can read our "Guide to Understanding Insurance and Patient Responsibility" (see link below).

"Guide to Understanding Insurance and Patient Responsibility"