OUT OF NETWORK PROVIDER
Minhas Life Services does not contract with any insurance companies and is therefore considered an out of network provider. Services are therefore on a private pay basis and payment is made at the time of service. A sliding scale is available and will be considered when available.
Out-of-network benefits cover therapy with the professional you choose without needing authorization from your insurance. Therapy is not managed by the insurance company.
Please note - In order to use any health insurance benefits, you need to qualify for a mental health disorder that is defined by a diagnostic code. Not all my clients want this and some choose life coaching.
Most health insurance plans provide some form of coverage for outpatient therapy. In-network benefits cover psychotherapy with professionals who sign contracts with the insurance company to provide services at a set rate.
Although you are free to submit claims to your insurance company yourself, please be aware that Bijay Minhas LCSW does not become involved in this process.
As a courtesy, Bijay Minhas LCSW will provide you with the necessary billing and diagnosis codes in order for you to receive the benefits you are entitled.
It is very important that you find out exactly what mental health services your insurance policy covers. Even if you submit the claims yourself, you may not be reimbursed for services. Call your insurance company and tell them you would like to go out of network for behavioral health.
Questions to consider
What is your current yearly deductible?
How much of this deductible has currently been met?
What is the reimbursement rate for an out of network provider (once your
deductible has been met)?How do I to submit reimbursement?
Are there are any limitations of amount of sessions or amount paid out?
What are my mental health benefits?
What is the coverage amount per therapy session?
How many therapy sessions does my plan cover?
Is pre-approval required from my primary care physician?
Minhas Life Services LLC. accepts Checks, Cash or Credit cards (Visa/ Mastercard).
A transaction fee is charged on all credit card payments.
Sliding Scale: Yes
Discounted Session Packages: Yes
No Surprises Act
As a patient receiving out of network services, you are entitled to receive a “Good Faith Estimate” detailing the costs involved under the No Surprises Act.
Federal law requires that mental health care providers estimate psychotherapy charges for patients who do not have insurance or do not plan to use insurance to cover the cost of therapy. It is your right to receive a Good Faith Estimate of the total costs associated with any non-emergency healthcare services.
Prior to scheduling a service:
ask your mental health care provider, and any other medical providers, for a Good Faith Estimate.
you are entitled to an updated Good Faith Estimate any time the cost of services are expected to change.
Subsequently, if the bill you receive exceeds your Good Faith Estimate by at least $400, you have the right to dispute it.