Dr. Melissa is an out-of-network provider for all insurance companies therefore, she does not bill insurance for sessions. Payment is graciously accepted in the form of credit/debit/HSA card via the client portal. Payments for neuropsychological evaluations are due at the first testing appointment with payments for therapy sessions and consultation due at the time of service.
If you have a Preferred Provider Organization (PPO) insurance plan, your plan may include reimbursement benefits for out-of-network providers. You are encouraged to contact your insurance company to learn about these benefits and how to submit claims. If you will be submitting claims for reimbursement, please let Dr. Melissa know so she can provide you with Superbills (detailed receipts with necessary insurance codes) via the client portal.
Please do not make assumptions about your out-of-network benefits and call your insurance carrier for a full understanding of your plan. Most Health Maintenance Organization (HMO) plans do not offer reimbursement for out-of-network providers.
Please call for more information regarding fees, reimbursement, and payment options.
You have the right to receive a Good Faith Estimate explaining how much your medical care will cost. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.
You will be provided with a Good Faith Estimate of what the charges could be for services provided to you. This notification is not a contract, but simply an estimate that helps clients become more aware of and informed about the potential costs of therapy services so that there are no surprises.
While it is not possible for a psychologist to know, in advance, how many psychotherapy sessions may be necessary or appropriate for a given person, this process provides an estimate of the cost of services provided to you through the end of the calendar year. Estimates are good through December 31 of each year, for a maximum period of 12 months. Your total cost of services through December 31 each year will depend upon the number of psychotherapy sessions you attend, your individual circumstances, and the type and amount of services that are provided to you. If you continue working with Inner Light Psychological Services PLLC after the new year begins, a new Good Faith Estimate for the next calendar year through December 31 will be provided.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 603-205-3721.
The evaluator has flexibility and control over the testing process and course of treatment - decisions are not overseen by an insurance company. Preauthorization requests are not needed and insurance does not have control over what is considered an acceptable reason for testing. Further, insurers may not cover neuropsychological evaluations if the child has already undergone a similar assessment in the past 12 or 24 months. Dealing with insurance paperwork and claim submissions can be time-consuming and frustrating. Some clients prefer to avoid these hassles and pay directly for their healthcare services.
Testing batteries, reports, and recommendations are not "cookie-cutter" as they are not compromised by insurance reimbursement limits. The thoroughness of the evaluation is not compromised by insurance reimbursement limits. The need for treatment and/or frequency of sessions is not dictated by an insurance company. You do not have to accept an evaluator or therapist who does not have the proper depth/breadth of expertise that match the reason for services.
A shorter wait to be seen. Organizations that take insurance often have waitlists of 8 months or more.
Without the constraints of insurance billing requirements, the provider has the freedom to spend more time with each client and family.
Clients often appreciate direct communication with their provider regarding fees and payment, without the involvement of insurance companies.
Increased privacy as results and treatment will not be shared with insurance companies.
Clients with high-deductible insurance plans may find that paying directly for certain services is more cost-effective, especially if they rarely meet their deductible.
If you will be submitting claims for reimbursement, please let Dr. Melissa know so she can provide you with a superbill (detailed receipt with necessary insurance codes and information) via the client portal. Some insurance plans do not cover out-of-network services, while others may pay for a portion of services. Please reach out to your insurer to verify coverage and learn about out-of-network benefits as you may need to consider out-of-network deductibles, copays and coinsurance.
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449 Portsmouth Avenue, Greenland, NH 03840