Our frequently asked questions and answers
We are in network and able to accept the following plans;
- Auto Insurance
- Blue Cross Blue Shield
- Blue Care Network
- Blue Cross Complete
- McLaren Medicaid
- McLaren HMO
- McLaren Health Advantage
Insurances can be tricky so be sure to call the number on the back of your card to check your mental health eligibility. A few helpful questions you should ask them are;
- Does my plan offer mental health benefits?
- Did I meet my deductible?
What is the coverage and copay amount for my sessions?
- Do I need approval from my primary care physician?
- Can I see an out of network provider? And how much will be covered?
Please note: It’s very important to make sure your insurance company will cover you for any services rendered by our practice. In any event of non-payment, you are still 100% liable for any outstanding balances.
We accept cash and all major credit cards. We require at least 1-2 valid credit cards on file.
Personal checks are accepted on a case by case basis.
Update: We now accept Concurrency tokens.
Tokens accepts – Bitcoin, Ethereum, and Litecoin.
Out of respect for our therapist’s time we ask that you contact them at least 24 hours in advance of your scheduled session.
Our automated system emails and text messages clients (Respectively 36 hours and 24 hours in advance).
In any event of failure to timely re-schedule your session, we have a strict $50 no-show fee. This is also outlined in our financial policy within intake paperwork.
Once your therapist enters your contact information into our system you’ll receive a welcome email with a temporary passcode. Use your email and passcode to login at the “Patient Portal” Link above.
Note: If you can’t find the welcome email, search for “Welcome from Bright Pine Behavioral Health” in all your inbox and spam folders. If you still can’t locate it, contact your therapist and they’ll be able to provide it for you over the phone.
Private pay is the best option for clients who desire complete confidentiality and privacy.
Despite adhering to HIPPA rules, when you use an insurance company, your records have to be shared with them. In order for claims to be paid out, client diagnosis and treatment plans have to be made available to your insurer. This is the case with every provider of medical services.
Furthermore, it may take several months for an insurance company to process and authorize a claim, sometimes they refuse to pay out completely. This creates an unecessarily stressful situation for both the client and therapist. In such cases, non-payment usually happens because the insurance company has certain rules to abide by. This unfortunately for reasons which often times, are difficult to pinpoint.
Therefore, if you don’t feel comfortable sharing private information with your insurer, private pay is the best possible and most preferred option.
If you decide that private pay is right for you, our therapists can help you transition with an agreed upon affordable rate.
With so many different plans and contractual rates, insurance can definitely be complicated. But we want to make it easy to understand and we’ll do our best to explain a few different scenarios below.
- I have insurance but have not met my deducible: If you have not met your personal deductible or your family deductible, we have to charge you the contracted rate set forth by your insurance policy.
The contracted rate is usually the rate your policy pays out once the deductible has been met. Furthermore, we don’t know what your contracted rate is until our biller submits the claim to your insurer.
- Additionally, we can’t charge anything less than this contracted rate. Rates vary from one insurer to the next, however they’re typically in the $120-150 range.This is the same case with any in-network or out-of-network provider that accepts insurance.
Finally, if you paid us more than your contracted rate, you will have a credit which you can apply towards future sessions or request a refund for the credit portion!
Important Note: If you can’t afford your insurer’s contracted rate, the next best option is to work out a sliding scale rate with your therapist. This way, the entire process is easier for everyone. Both parties won’t have to deal with unpaid insurance claims and you’ll have one affordable flat fee each time you come in.
- You met your deductible but have co-insurance: After the deductible has been met, your plan will usually have either a flat fee copay per visit or coinsurance.Coinsurance comes in different percentages. Whatever your percentage is, that’s the amount you will owe of your contracted rate.
Lets look at an example;
The contracted rate for your 60 min session is $135. Your coinsurance percentage is 20%. Your policy will pay out $108 and you would be responsible for the remainder, $27 which is 20% of $135.
- I have a very high deductible plan and can’t afford the contracted rate of $120-$150/hr: In the event where you feel that meeting your deductible will be almost impossible and you can’t afford the full contracted rate, it’s best to negotiate an agreed upon sliding scale rate with your therapist. This will allow both parties to avoid the sometimes messy and complicated medical claim billing process.
- I can’t afford the insurer’s full contracted rate, but want to apply the amount that I can afford towards my deductible: Unfortunately, per our network contracts we are not allowed to charge you less than your contracted rate to be applied towards deductible. Therefore, your account will more than likely end up with a balance owed. Any unpaid balances will be charged to the card on file unless you prove and document to us and your insurer a period of financial hardship.
In this instance most opt out of dealing with insurance and negotiate an affordable sliding scale rate which all our therapists will be happy to accommodate!
We are dedicated to your well being and will do everything in our power to make affordable arrangements that are fair to both parties.