health insurance plans cover mental health services, including
and psychotherapy for depression, anxiety, PTSD, adjustment
and other disorders and problems of living. The rates of coverage,
and copayments vary by insurance company. A few health insurance
even cover marital therapy. Dr. Carrin is a preferred provider
or on the
panels for most health insurance plans. In general, the client
for only the copayment. Formal psychological assessments
for the courts or for other third parties generally cannot be
insurance. Most other assessments can be billed to your insurance,
that they are medically necessary.
you have questions about your mental health coverage, you can
answers by calling your insurance company and asking about coverage
"Outpatient Mental Health." You may also call my office for
or for help in sorting out coverage. Once you set your
I will call and verify your coverage before your appointment.
medical insurance plans allow you to consult with whatever health
you desire. Other medical insurance plans use a managed care
to manage your benefits and require that you utilize a health
that is considered a "Provider" in their network.
to the continual evolution of managed care, and the incessant
re-merging of managed care companies, Provider networks often
I encourage you to contact me and/or your specific insurance
to inquire and verify whether I am in your insurance carrier's
you intend to utilize your medical insurance to pay for therapy,
it will be
you contact your insurance carrier to make inquiries regarding
benefits. When contacting your insurance company regarding
you must tell them that you are coming to see the doctor
Mental Health Treatment". With some insurance carriers,
benefits differ greatly from other medical benefits. The back
card will give you the correct number to call for information.
the rapid changes in the health insurance industry and the development
many new health maintenance organizations (HMO's), preferred
(PPO's), and managed care organizations (MCO's), the rules and
regarding health insurance claims have become many and varied.
be aware that many HMOs and MCOs require some direct clinical
by their company. Many of the HMOs and MCOs require the
of confidential clinical information to the insurance company
process claims and to determine whether additional visits are
medically necessary. In instances such as this, it may be necessary
us to work together with one of their case managers to determine
of your treatment. This obviously will have some impact on
confidentiality. If you do not wish for any information to be
to your insurance carrier, it is important that you speak to
insurance companies require a co-pay by the patient. This is
visit you are required to pay each time you visit. Some insurance
have a deductible, which must be met by the patient before the
will begin to pay benefits. For example, if you have a $200
the first $200 worth of charges each year will be your responsibility.
insurance company may specify a yearly dollar limit that they
will pay for
visits, or they may limit the number of sessions that you may
in one calendar year. If you reach your yearly dollar limit,
you will be
for the cost of further visits.
there are limitations on the types of services covered, e.g.
psychological testing, or the preparation of a special report
covered. In circumstances where you require services that aren't
will be discussed with you ahead of time.
each appointment time is reserved for only one person or family,
that if you must cancel your appointment, at least 24 hours
must be given in order to avoid the full charge. Please note
that if you
not keep an appointment without giving at least 24 hours prior
carrier will not pay for my time, and you will be responsible
of the missed appointment.
timely payment of all bills is essential to the responsible
professional offices, your payment for services is expected
at the time of
visit. If temporary financial problems arise, I encourage you
for assistance in the management of your account. If you have
about the above information, please don't hesitate to ask me