Billing and Payment for Services
Payment is due at the time services are delivered. This includes co-pays, co-insurance, and/or deductibles. If your PHA clinician is in-network with your current insurance coverage, we will submit all claims for you. The allowed financial coverage varied by insurance policy and type of provider (higher cost when working with a licensed psychologist vs. a licensed professional counselor).
Secure electronic credit card payments are available through the EMR we utilize – TherapyAppointment.com.
Insurance Verification
Prior to your initial appointment, PHA will verify your insurance to determine your coverage and any costs you are responsible for at each session. Once your insurance coverage is verified, you will receive a “new client” email with necessary paperwork to complete and bring to your first session. If uninsured or using out-of-network services, a Notice of Rights and a Good Faith Estimate will be supplied to you (with your intake paperwork) prior to the first appointment in accordance with the No Surprises Act.
“Out-of-Network” Coverage
PHA may not participate with or be “on panel” with your insurance provider. If not, clients are then considered private pay and owe the full session fee at the time of service. PHA may be considered an out-of-network provider by your health insurance carrier. After full payment for our services, you may request and obtain a written medical/flexible spending statement from PHA to submit to your insurance provider to pursue reimbursement from them.
Billable Services Include Direct and Indirect Services
Professional fees include costs for both direct and indirect services.
Direct services include face-to-face time spent directly with your therapist. This may include individual, family or marital therapy, parent consultation, etc.
In addition to scheduled appointments, there may be additional charges for other professional services you may request. These services may include report writing, telephone calls, consultations with other professionals with your permission, preparation of records or treatment summaries, etc. Fees for indirect services will be prorated as a percentage of the clinician’s hourly session fee, based on the amount of time required to complete tasks.
Fees for Legal Proceedings
Clients are financially responsible for legal proceedings that require our participation. You will be expected to pay for all professional time, including preparation, transportation costs, and time out of the office (portal to portal), even if your therapist is called to testify by another party. Because of the difficulty of legal involvement and tremendously increased liability costs, our fees are billed at a higher hourly rate for preparation and attendance at any legal proceeding.