Welcome to the Website of Dr. Randy Carrin
   Fees & Insurance   

   All health insurance plans cover mental health services, including individual
   counseling and psychotherapy for depression, anxiety, PTSD, adjustment
   problems and other disorders and problems of living. The rates of coverage,
   limits and copayments vary by insurance company. A few health insurance
   plans even cover marital therapy. Dr. Carrin is a preferred provider or on the
   provider panels for most health insurance plans. In general, the client will be
   responsible for only the copayment. Formal psychological assessments
   completed for the courts or for other third parties generally cannot be billed to
   health insurance. Most other assessments can be billed to your insurance,
   assuming that they are medically necessary.

   If you have questions about your mental health coverage, you can usually get
   clear answers by calling your insurance company and asking about coverage
   for "Outpatient Mental Health." You may also call my office for additional
   information, or for help in sorting out coverage. Once you set your
   appointment, I will call and verify your coverage before your appointment.

Some medical insurance plans allow you to consult with whatever health care
   professional you desire. Other medical insurance plans use a managed care
   company to manage your benefits and require that you utilize a health care
   professional that is considered a "Provider" in their network.

Due to the continual evolution of managed care, and the incessant merging
   and re-merging of managed care companies, Provider networks often change.
   Consequently, I encourage you to contact me and/or your specific insurance
   carrier to inquire and verify whether I am in your insurance carrier's "Provider

   If you intend to utilize your medical insurance to pay for therapy, it will be
   important that you contact your insurance carrier to make inquiries regarding
   your insurance benefits. When contacting your insurance company regarding
   insurance benefits, you must tell them that you are coming to see the doctor
   for "Outpatient Mental Health Treatment". With some insurance carriers,
   mental health benefits differ greatly from other medical benefits. The back of
   your insurance card will give you the correct number to call for information.

   With the rapid changes in the health insurance industry and the development
   of many new health maintenance organizations (HMO's), preferred provider
   organizations (PPO's), and managed care organizations (MCO's), the rules and
   regulations regarding health insurance claims have become many and varied.

   Please be aware that many HMOs and MCOs require some direct clinical
   management by their company. Many of the HMOs and MCOs require the
   release of confidential clinical information to the insurance company in order
   to process claims and to determine whether additional visits are in their
   judgement medically necessary. In instances such as this, it may be necessary
   for us to work together with one of their case managers to determine the
   nature of your treatment. This obviously will have some impact on
   therapist/client confidentiality. If you do not wish for any information to be
   released to your insurance carrier, it is important that you speak to me about

   Most insurance companies require a co-pay by the patient. This is the amount
   per visit you are required to pay each time you visit. Some insurance plans
   also have a deductible, which must be met by the patient before the insurance
   company will begin to pay benefits. For example, if you have a $200
   deductible, the first $200 worth of charges each year will be your responsibility.

   Your insurance company may specify a yearly dollar limit that they will pay for
   psychological visits, or they may limit the number of sessions that you may be
   seen in one calendar year. If you reach your yearly dollar limit, you will be
   responsible for the cost of further visits.

   Sometimes there are limitations on the types of services covered, e.g. family
   therapy, psychological testing, or the preparation of a special report may not
   be covered. In circumstances where you require services that aren't covered,
   these will be discussed with you ahead of time.

   Since each appointment time is reserved for only one person or family, I
   require that if you must cancel your appointment, at least 24 hours advance
   notice must be given in order to avoid the full charge. Please note that if you
   do not keep an appointment without giving at least 24 hours prior notice, your
   insurance carrier will not pay for my time, and you will be responsible for full
   payment of the missed appointment.

   Because timely payment of all bills is essential to the responsible operation of
   all professional offices, your payment for services is expected at the time of
   each visit. If temporary financial problems arise, I encourage you to contact
   me for assistance in the management of your account. If you have any
   questions about the above information, please don't hesitate to ask me at any