Important Practice Policies

INSURANCE POLICY

Currently Liberation Pathways does not accept or work with insurance or EAP companies directly and is “self-pay” only and so your Clinician will be considered an “out-of-network” (OON) provider. However, if you have Preferred Provider Organization (PPO) insurance that offers OON benefits, you may receive reimbursement after meeting your deductible (not guaranteed). Health Maintenance Organization (HMO) plans typically do not offer OON benefits. It is your responsibility to verify your insurance benefits, including coverage for out-of-network providers & treatment options. A monthly receipt (superbill) can be provided for you to submit to insurance if you have OON benefits to submit claims to your insurance.

We may submit claims and/or superbills to your insurance company on your behalf; however, you (not your insurance company) are responsible for full payment of our fees. Deductibles and co-payments must be paid in full at the time of service or based on the agreed upon fee/payment plan arrangement (if applicable). Payment of deductibles and co-payments are your responsibility whether your insurance company reimburses you for our services through your OON benefits. By signing this Agreement, you agree to pay all fees not reimbursed by your insurance company.

IMPORTANT CONSIDERATIONS IF USING OON BENEFITS

Most health insurance policies provide some coverage for mental health services.  It is very important that you find out exactly what mental health services your insurance policy covers. You should carefully read the section in your insurance coverage booklet that describes mental health services. Your coverage, co-payments, and benefits for mental health services could be quite different from your regular medical coverage. If your insurance plan includes a managed care component, you may be required to obtain preauthorization and your coverage may be limited. It is your responsibility to contact your insurance company to determine if preauthorization must be obtained by you prior to your treatment. You acknowledge that if your insurance requires a referral or an authorization, you are responsible for obtaining that for your claims to be paid. 

Please be aware that in some cases the services provided may be considered non-covered services under your insurance plan that will not be reimbursed. Past-due amounts must be paid in full before another session can be scheduled with your Clinician.  

Most insurance agreements require that we provide basic clinical information to the insurer before they process any claims. We may also be required to provide a clinical diagnosis or additional information such as treatment plans or therapy goals. Occasionally an entire copied record is required. By signing this agreement, you agree that we can provide the requested information to your insurance carrier.  While it is our policy to release only the minimum necessary information required to activate your insurance benefits, you should be aware that we cannot control its use by your insurance company. Any concerns you may have about confidentiality of insurance records should be directed to the insurance company.  

Some insurance companies require that we send billing and other information electronically (e.g., by facsimile “fax” or e-mail). The confidentiality of such communications cannot be guaranteed. If you do not consent to electronic communications, please inform the Practice immediately, before beginning treatment, so that we can determine whether and how to proceed. Once information about your insurance coverage has been determined, it is important for you to discuss with your Clinician what can be accomplished with the benefits that are available, and what will happen should your benefits expire before you feel ready to end treatment. It is important to remember that you always have the right to pay for services yourself and not involve your health insurer at all.