We believe in integrity and openness in our financial agreements with you. While we know that talking about money can bring up a lot of feelings, as therapists our job is to wade into the heart of uncomfortable subjects and we won’t let this be the exception. As trained and licensed therapists, you are choosing us to assist you in one of the most important aspects of your health. You place your trust in us and we take this responsibility seriously. We chose this career due to our desire to use our skills and training to help others live happy, healthy lives. We are also working to support ourselves and our families. Although we are not able to make aggressive changes to our fees, we are willing to make adjustments to be able to work together or when an unexpected life emergency occurs. We will do our best to work toward a solution, so if you need to, please ask.

INSURANCES

Blue Cross Blue Shield

Blue Care Network

McLaren Health Plan

For your assistance, We have created a list of questions to ask when contacting your insurance company about your coverage. We encourage you to use them and to write down the name of the person who supplies the answers.

If you wish to use an insurance not listed above, all is not lost! You can contact your insurance company to determine if your plan has out-of-network (OON) coverage.  Either we will be able to bill them directly or you pay us directly for your sessions and then we provide a “superbill” that includes all the information that your insurance company requires to reimburse you, for all or part of our fee. We are happy to assist you with the submission process. 

Questions to Ask Your Insurance Company

+ Do I have coverage for in-network, outpatient behavioral health?
Give the agent the CPT code 90837 for individual psychotherapy.
You may be asked for Integrated Anxiety Management’s NPI code. It is 1992450126
+ How much is my Deductible? How much has been met?
Ask them to explain how your deductible works.
+ What is my copay or coinsurance once the deductible has been met?
+ Do I have coverage for Outpatient, Out-of-Network Psychotherapy? Depending on your specific plan, after meeting your deductible, insurance companies will typically reimburse between 50%-90% for providers who are not in their network (ask your representative for the specific amount your policy allows).
+ Are there any restrictions, such as a required authorization or a referral, or anything else that may be required to be reimbursed?
+ Is there a limit to the number of sessions I am allowed per year? Does my therapist need to submit a form or treatment plan? If so, please inquire as to how this may be obtained.
++++ ALWAYS get the name of the individual who quoted your benefits and a reference number, if applicable.

Why Not Insurance?

We are currently out of network for most insurance plans for several reasons.

• Some insurances require authorization for therapy services, meaning you must justify the need for therapy vs. allowing you choose therapy for yourself.
• All insurance companies require a mental health diagnosis to be added to your permanent medical record before approving services. Many people are suffering due to life circumstances such as work burnout, divorce or grief; these are not mental illnesses requiring a medical diagnosis.
• Diagnoses are stored and kept forever and this can have implications for those who wish to join a health profession or the military.
• Insurance companies often restrict the length of treatment and the type of services that can be offered and require lengthy reviews and documentation to support using therapy. For example, some companies are trying to restrict the therapy session to 45 minutes versus the traditional 55-60 minutes. That is not much time for a meeting that occurs once a week. Some cap how many sessions you are allowed.
• With HMOs, individuals have to select a provider solely based on their in-network participation, not on the provider’s experience, skills or expertise.
• When therapists are in-network with insurance, they must agree to allow auditors to review your therapy records. Despite HIPAA laws, non-clinical auditors can review your records any time they want.
• Failing to realize that a one-size-fits-all all approach is not effective nor in the best interest of the individual. The length of time spent in session, the type of therapy and where it is conducted should all be decisions that you and your therapist make, based on what is most effective for you. 
• Many insurances have in-network mental health deductibles that are so high that it won’t save you any money to stay in-network, so why not see someone of our own choosing who is out of network?

Good Faith Estimate

A Note regarding the “No Surprises Act”

The No Surprises Act was designed to protect people from surprise medical bills. It seeks to create transparency in the pricing of medical services before the uninsured person agrees to undertake them. It was created due to patients receiving unexpected bills that could number into the thousands of dollars. Although this mostly happens with crisis and inpatient situations (e.g., emergency room visits), the law applies to outpatient services as well. The No Surprises Act requires therapists to provide self-pay clients with a Good Faith Estimate (GFE) outlining expected treatment costs.
Our private pay clients have access to their GFE, via the practice’s secure portal. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises. or call 1-800-MEDICARE (1-800-633-4227). We welcome any questions you may have regarding the GFE, our fees or any other aspect of our practice.

For the insurances companies we are not paneled with (“out-of-network”), we cannot provide you with information about potential reimbursement from your insurance plan.

We encourage prospective clients with out-of-network plans to call their insurance company regarding any financial questions and concerns, including their ability to submit claims for potential reimbursement for therapy, should they be interested in doing so.

Susan Beckman-Mitchell, MA, LPC
Practice Owner

IAM Phone Number: 269-888-3353

MI Lic No. 6401001487

Integrated Anxiety Management, LLC

Email connect@IntegratedAnxietyManagement.com

Practice Website IntegratedAnxietyManagement.com

NPI2 1992450126

Tax ID 88-0631912

Good Faith Estimate Content Requirements
The Good Faith Estimate provided by the convening provider or facility must contain the following information:

• Patient name and date of birth
• Description of the primary item or service in clear and understandable language as well as the date of service, if applicable (e.g., 55-minute individual psychotherapy session; DOS)
• Itemized list of items or services (e.g., 55-minute individual psychotherapy session, weekly until otherwise indicated)
• Applicable diagnosis codes, expected service codes, and expected charges associated with each listed item or service[x]  (Note: Providers may have diagnoses for existing patients; however, prospective/new patients may not yet have a diagnosis and thus, this information may not be available. The provider should reasonably attempt to include expected service codes and expected charges associated with the service.)
• Name, National Provider Identifier (NPI), and Tax Identification Number (TIN) of each provider/facility represented in the good faith estimate[xi] and the states and office or facility locations where the items or services are expected to be furnished.
• Disclaimers regarding additional items or services that are recommended that must be scheduled or requested separately, that the good faith estimate is only an estimate and that actual charges may differ, and that the patient has the right to initiate the patient-provider dispute resolution process if the actual bill charges substantially exceed the expected charges in the good faith estimate, and that the good faith estimate is not a contract and does not obligate the patient to obtain the items or services from any of the providers identified in the good faith estimate.