We are in network with BCBS PPO and submit out of network claims for most other insurance plans. We cannot guarantee coverage and clients are responsible for anything insurance does not cover.
Prior to your first session, we recommend that you call your insurance provider about coverage for mental health services. Inquire whether or not you are in network with Abbie Kelley LLC (AMK Counseling), whether or not you have a deductible and what your benefits cover. This number can be found on the back of your card and should take no more than 10 minutes of your time.
In some cases, even if you have a BCBS PPO and you are seeing an in-network provider, your plan may use a third-party vendor to cover behavioral health benefits (i.e. United Behavioral Health, Magellan, Compsych). These are considered out-of-network.
“Out-of-network” means that we are not contracted with your health insurance. Many health insurance plans cover some or all of our services through out-of-network benefits for behavioral health, but the specifics of coverage vary. Please call your insurance for more information about your coverage. We can submit courtesy claims for most out of network providers. In the event we cannot submit the claim, we will provide you with a Superbill to submit to your insurance provider for reimbursement.
Copay: A fixed dollar amount that is your responsibility to pay per session. Common co-payment rates are $10 or $20 per visit, though copayment rates vary from plan to plan. Insurance pays for the rest of the session fees.
Co-insurance: Co-insurance is usually a percentage of the total bill, for example, 10%. You are responsible for this percentage of the session fee and insurance pays for the remainder.
Deductible: The amount you must pay out-of-pocket before the insurance company starts to pay for care — for example, $1000 per individual or $2,500 per family. Your deductible typically starts over on an annual basis.