Insurance Reimbursement Rates
At Bright Pine Behavioral Health, transparency and support are at the core of everything we do. Below, you will find a breakdown of reimbursement rates for common psychotherapy services based on Current Procedural Terminology (CPT) codes. These rates are set by your insurance carrier and are subject to minor variations depending on your specific plan and provider credentials.
If you have transitioned to an out-of-network insurance plan, we want to remind you that we can provide a superbill to help you seek reimbursement from your insurance provider. Additionally, we offer CareCredit financing options to make services more accessible if needed.
The rates shown in the table below are approximate estimates only and may not reflect the precise figures. Please note that we are unable to disclose the exact rates publicly due to contractual obligations.
| CPT Code Description | BCBS | BCN | Priority Health | ASR |
|---|---|---|---|---|
| 90837 – Individual psychotherapy, 60 minutes (53+ minutes) | $154 | $137 | $110 | $137 |
| 90834 – Individual psychotherapy, 45 minutes (37 to 52 minutes) | $104 | $93 | $82 | $83 |
| 90832 – Individual psychotherapy, 30 minutes | $79 | $70 | $72 | $62 |
We’re Here to Help
We know navigating insurance and reimbursement can be challenging. Our team is happy to assist you with any questions you may have. Please don’t hesitate to reach out to us for guidance or to explore payment options.
Thank you again for trusting us with your care. We wish you a happy and healthy New Year!
For additional support, contact our billing team at billing@brightpinepsych.com or call us directly.
Understanding Insurance Reimbursement and Deductibles
Insurance billing can be confusing, so we want to provide a clear explanation of how it works, especially when deductibles and coinsurance apply.
How Deductibles Work
A deductible is the amount you must pay out-of-pocket before your insurance starts covering a portion of your services. Until your deductible is met, you are responsible for paying the full rate for services.
Please note: Not all plans are subject to the deductible. Some insurance contracts cover services without requiring you to meet the deductible first. All details should be confirmed directly with your insurance provider to understand your specific benefits.
For example, let’s say you have:
- A $500 deductible with a BCBS plan.
- You’re scheduled for a 60-minute therapy session (CPT Code 90837), with a BCBS reimbursement rate of $154.
Before the Deductible is Met
If your deductible hasn’t been met, you’ll pay the full $154 for the session. This amount will count toward your $500 deductible.
After the Deductible is Met
Once you’ve paid the full $500 deductible, your insurance begins covering a portion of the cost. For example, if your BCBS plan has a 20% coinsurance, you would pay 20% of the session rate, and insurance would cover the remaining 80%.
For a 60-minute session (90837):
- Session cost: $154
- Your coinsurance (20%): $30.80
- Insurance covers (80%): $123.20
Key Takeaways
- Deductible: You pay the full session rate until it’s met.
- Coinsurance: After meeting the deductible, you pay a percentage (e.g., 20%) of the session rate, and insurance covers the rest.
- Rates vary depending on your specific insurance plan and provider.
If you have questions or need clarification about your plan, don’t hesitate to contact our billing team at billing@brightpinepsych.com. We’re here to help!
