Cost and Insurance
We know you want the best understanding of costs up front, and we want to avoid confusion as much as possible. There are two options: insurance and self-pay.
Insurance
This means we bill your insurance company, releasing some information about treatment to them, and they may cover some of the costs. You are still responsible for any costs they determine you are responsible for. This may include deductible (what you must cover before they begin to pay, and will be based on what the insurance company allows for the session- this varies based on insurance company and plan.), copay (a flat rate you pay per appointment at offices), or coinsurance (a percentage of the allowable amount). These you will be responsible for after the deductible has been reached. Your insurance can tell you what these are.
In Network:
Blue Cross Blue Shield (Except Blue Cross of AL- please contact your insurance, and feel free to call with questions; often they will not fully cover themselves, but they might do an out of network superbill)
Humana Commercial and Medicare Advantage
Medicaid/MSCAN plans (until age 21 OR secondary to Medicare ONLY; please see more information page)
Medicare (regular part B)
Molina
MS Physicians
United Healthcare Commercial Plans
United Healthcare Medicaid (We are NOT ABLE TO ACCEPT UHC Mediare Advantage/Advantage SNP plans. Please see our referral/ more information page for suggested options.)
Able to Accept:
Lockard Williams (not in Singing River network, but will cover with increased copay)
Most SAS plans -contact your plan first; this is a third party plan
UMR- mostly covers; contact your plan first; this is a third party plan through UHC
Self-pay
No insurance companies come into this. This may be more expensive if you had an insurance plan that could have covered alternatively, depending on your situation. However, it is the most private. Unless you determine there is a reason to release the information, there is not a reason to submit medical information to another entity. This creates more flexibility, as you determine your needs more than an insurance company by covering the costs yourself. You will receive a GFE summarizing your costs for your records.
Full fee: $225. Same day pay coverage: $150. Some scholarship options may be available on a limited basis, but slots are few. Please call our office.
INSURANCE: If you choose to apply insurance coverage for services, we will bill your insurance or give you a superbill as appropriate. All of your costs, including copays, deductible, etc. are determined by your insurance, not our office. While we might have an idea of the customary pattern of an insurance plan, the plans determine what the allowable fees are, and subsequently any costs you may incur. This is your contract with them, and outside of our control. Some plans also differ in their rules for mental health or have a different company covering their mental health plans, not the company listed on the card (more common with employer sponsored insurance). Please contact your insurance company for questions regarding your coverage.