Payment Options

There are two ways to pay for your treatment. The first is private pay. Some benefits of private pay include: an insurance company will never see your records or even know you are seeking therapy, treatment is totally designed uniquely to your needs (there are no limits to the number of sessions, type of session, length of session, prior authorization for treatment), and no surprises from insurance companies regarding reimbursement.

The other method of payment is health insurance. It is your responsibility to know your health plan and the coverage of mental health benefits. If you have questions regarding your plan, contact your plan administrator immediately. Due to the rising costs of health care, insurance benefits have increasingly become more complex. It is sometimes difficult to determine how much of your mental health coverage is available. “Managed Health Care” plans such as HMOs or PPOs often require authorization before they provide reimbursement for mental health services. These plans are often limited to short term treatment approaches designed to work out specific problems that interfere with a person’s usual level of functioning. It may be necessary to seek approval for more therapy after a certain number of sessions. While much can be accomplished in short-term therapy, some clients feel that they need more services after insurance benefits end. Once you have all of the information about your insurance coverage, we can discuss what we can expect to accomplish with the benefits that are available and what will happen if they run out before you feel ready to end your sessions. It is important to remember that you always have the right to pay for services yourself to avoid the problems described above.

Dr. Start and associates accept Blue Cross Blue Shield, Blue Care Network, Priority Health (including Medicare and Medicaid), Aetna, Medicare, Meridian Health Plan of Michigan, Tricare, Physician’s Care, and Cigna on an in-network basis, as well as, Value Options and Humana on an out-of-network basis.

Please contact our office with questions regarding your payment options.