Insurance

I currently accept:

• Care First BlueCross Blue Shield (PPO only)
• Tricare (out of Network) This means that:
  

  Full payment is due at the time service is rendered. Charges are limited to your Tricare policy's allowed rate.

  Please call Tricare to verify your benefits prior to services being rendered for an explanation of your costs. I do not accept assignment of payment from Tricare, meaning all payments from Tricare go to the beneficiary.

  * Please note that "Prime" plans have special requirements that need to be met in order to receive full benefits.


For all other insurance: I am considered an out of "network provider". This means I do not have a contract with the insurance. Therefore, my private pay rate is due at the time of service. Most insurances will cover 50% to 90% of usual and customary rates for medically necessary services if your plan is out of network benefits. If you wish, I can provide you an invoice that you can submit to your insurance once the initial evaluation is completed.

Medicare: I have opted out of Medicare. This means I can provide service to the Medicare beneficiaries, but Medicare will not reimburse any portion of the cost.

Questions to ask your insurance provider:
• Do I have out of network mental health insurance benefits?
• Do I need a referral from a physician?
• Do I have an out of network deductible, how much is it and to what degree has it been met?
• How many sessions are covered?
• What CPT codes are covered for mental health outpatient office visits?
• What is the rate allowable upon which they calculate the percentage of reimbursement? What percent of the is covered and what percentage is my responsibility? Usually, insurance calculates reimbursement based on their allowable rates. For example, if your insurance allows $150 for an office visit and my rate is $185 and your insurance covers 80%, they will reimburse you $120, which is 80% of the $150. Your coinsurance would be $30 plus the balance between my rate of $185 and their maximum fee allowable of $150. Thus, after reimbursement the cost to you will be $65.

FEES and CANCELLATION

Fees change over time and may be service dependent. Please call the office.

Cancellation fees will be assessed for cancellations and no shows according to office polices.




Payment Methods

I accept cash or check. However, you can use your credit card if you need to do so for a specific reason, such as using your health savings account card.

Payment is due before or at the time of service.




STANDARD NOTICE

“Right to Receive a Good Faith Estimate of Expected Charges” Under the No Surprises Act

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 have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees. * Make sure your health care provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose for a Good Faith Estimate before you schedule an item or service. * 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 Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call Dr. Long @ (703) 479-5610