We have in-network contracts with insurance companies that have competitive rates for behavioral health. Credentialing with insurance companies provides our clients with the assurance that all of our clinicians have met high criteria and standards, are licensed at the clinical level with the state of Pennsylvania, have documented certificates in their areas of expertise, and have no complaints against their license.
Using insurance at in-network rates, you might have a deductible that needs to be met prior to your insurance paying for your session, so you will pay the network agreed-upon contract rate for your session (usually a discounted rate, $80 – 120) and we send the claim to the insurance company for you so that amount will go toward your deductible. Once your deductible amount is met for the year, your insurance begins paying us directly for your care. You may have no deductible but must pay a portion of the contract rate up front, called a “copayment”, and then your insurance pays our Center the difference. We want you to be able to use your insurance as you do for any other medical care, and we do our best to exactly determine the out-of-pocket costs for each session prior to committing to treatment with our Center.
For those insurance companies that do not offer a competitive rate for psychotherapy for this area, we offer assistance with obtaining any “out of network benefits” available. These insurances offer less than $65 per session, so we can no longer afford to contract with them. We would collect the full rate at the time of the appointment (see cost of treatment under Services) and our Center sends the claim to your insurance company, who would then send you a check for a predetermined percentage of your out-of-pocket cost.
When you contact us for a new client appointment, we will confirm your insurance eligibility and benefits prior to your initial session and do our best to inform you how much your session will cost after applying your benefits. EAP is always free to clients as we are paid directly. We provide a 20% discount for self-pay clients without insurance, or whose insurance does not adequately cover psychotherapy, that meet certain income limitations or are first-responders (EMS, firefighters, police officers, chaplains/ministers). For out of pocket costs we accept cash, check, credit/debit, and Health Care Spending Accounts/Cards. We do not offer free phone or in-person consultations.
Aetna Anthem Horizon Meritain
BlueCross BlueShield Humana Multiplan/PHCS Cigna
Medicare Tricare East Optum/United Behavioral Health
Beacon Health/Value Options
UMR Amerihealth Keystone East IBC Personal Choice Magellan Independence Administrators
Each appointment time is reserved exclusively for a specific patient and there is generally a waiting list of clients wanting appointments. If you are unable to come to an appointment, please call or email (we prefer email) the office at least 24-hours in advance to cancel or reschedule your appointment or you will be subject to a late cancel fee of $60 at or prior to the next scheduled appointment. We cannot bill insurance for no-shows or late cancels. While we are very sympathetic to the fact that situations arise in life that may make it difficult to come to an appointment or give the required notice- car trouble, illness, child care problems, etc. we are unable to make exceptions to this policy.
Being able to use insurance for psychotherapy requires our documentation of medical necessity for a psychiatric diagnosis, situational problem, and/or marital/family problem and the medical need for treatment. If there are repeated cancellations or requests for rescheduled appointments, regardless of how much notice is given prior to the appointment, we cannot continue to justify medical necessity for treatment and we will be forced to discuss discontinuing treatment.