Questions about Insurance
Most insurance plans will cover mental health and substance abuse treatment. The quote of coverage and benefits we get from your insurance company is not a guarantee of coverage. It is still in your best interest to contact your insurance company prior to your first session to verify that you have coverage.
Here are some helpful questions to ask your insurance company:
Does my plan cover either “Mental Health Benefits” or “Behavioral Health Benefits”?
Is my provider in or out of network?
Is there a limit on the number of outpatient therapy visits covered? If so, how many?
Am I responsible for a co-pay or a certain share of the cost per session?
How much of my deductible have I met thus far?
Does my plan require me to use a preferred provider or can I choose whomever I want and use out-of-network benefits if necessary?
Does my plan limit the time allowed in each appointment?
Brief Insurance Explanation
Let's say your plan's deductible is $1,500. That means for most services, you'll pay 100 percent of your medical and pharmacy bills until the amount you pay reaches $1,500. After that, you share the cost with your plan by paying coinsurance and copays.
Coinsurance is your share of the costs of a health care service. It's usually figured as a percentage of the amount they allow to be charged for services. You start paying coinsurance after you've paid your plan's deductible. Here's how it works. Lisa has allergies, so she sees a doctor regularly. She just paid her $1,500 deductible. Now her plan will cover 70 percent of the cost of her allergy shots. Lisa pays the other 30 percent; that's her coinsurance. If her treatment costs $150, her plan will pay $105 and she'll pay $45.
A copay is a fixed amount you pay for a health care service, usually when you receive the service. The amount can vary by the type of service. You may also have a copay when you get a prescription filled.
For example, a doctor’s office visit might have a copay of $30. The copay for an emergency room visit will usually cost more, such as $250. For some services, you may have both a copay and coinsurance.
Many of our clients choose to pay themselves. Clients have the option to not use their insurance company, which has its own benefits. When there is a third-party payer, such as the insurance company, they have the ability to request information and notes from our sessions. Not submitting claims to your insurance company allows us to keep notes completely confidential. Additionally, there are certain psychiatric diagnoses that individuals receive which may prevent them from obtaining future health insurance, military admission, etc.
Country Crossroads Counseling offers significant self paid discounts.
Check out our self paid discounts here.
Current Insurances Accepted
At this time, Country Crossroads Counseling accepts:
Blue Cross Blue Shield
If you plan on using insurance, Country Crossroads Counseling encourages you to call your insurance company before your first visit to determine your eligibility and copay. Most insurance cards have their contact information on the back of the card.