CRC clinicians are paneled (are in-network with) most major commercial and state/federal insurance providers. It’s always important to check with your insurance provider for your specific plan’s coverage details. Since this information can feel hard to access and understand, we offer some sample questions and explanations below. Please call your insurance provider before you come to see us for a first visit, so you can make the best decisions possible for your health care!
The following questions can be of use when speaking to your insurance provider about your insurance plan’s specific coverage. A phone number can be found on your insurance card (often on the back) or letter.
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- Do I have a deductible? Is it a family or individual deductible?
- What is my co-pay?
- Do I have out-of-network benefits for mental health?
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Typically, insurance companies determine an “allowable amount” paid to practitioners for service. A deductible is the plan-specific amount of money that a client needs to pay down (through paying the allowable amount to directly to the practitioner) before your insurance benefits kick in. A co-pay is the plan-specific amount of money you, as the client, will pay directly to the practitioner at each visit in addition to what the insurance provider pays. Co-insurance is a plan-specific percentage of the allowable amount that a client pays directly to the practitioner (for example, this is commonly described as a ratio, as in 80:20, with the insurance company paying 80% and the client paying 20% of the allowable amount for each visit).
We also offer a sliding scale of fees for people who are uninsured or choose not to use their insurance. This scale is based on annual income. Please feel free to call us to discuss this option.