New Life Counseling Center is NOT on any insurance panels and does not file insurance on behalf of clients.  Services are predominantly paid "out-of-pocket.”  However, we realize some individuals have health insurance that covers a portion of therapy sessions. If you would like to utilize your insurance benefits, you are welcome to pay for your session at the time of service; and your therapist will provide you with a receipt. You may then file this receipt with your insurance company and request that they send reimbursement directly to you. To learn more about your possible benefits, the following information may be helpful.

 

To verify your mental health benefits:

1. Consult your insurance card to find the number for “customer service,” “benefits,” “eligibility,” etc., or your card may have a specific number for “behavioral health” or “mental health” benefits.

2. When you dial this number, be sure to inquire about “behavioral health” or “mental health” benefits, which may be different than your medical benefits.

3. Inform the person verifying your benefits that you are NOT inquiring about inpatient or outpatient benefits (which is related to hospitalization for mental health issues); you are only inquiring about “office visit” &/or “virtual” benefits.

4. And in the event that you have a future dispute with your insurance company, be sure to keep a record of the information that you gather, including:

a.  the name of the customer service representative, who is helping you, and 
b.  the date and time that you gathered the information.

 

If your insurance customer service representative identifies that you have applicable benefits, and you would like to learn more about how to use said benefits, you may ask the service representative the following questions:

1. Is my mental health plan an HMO or a PPO?

2. If it is a PPO, what are my benefits for an "out-of-network" provider?

3. Do I have a deductible (the deductible may be different for "in-network" and "out-of-network" benefits)?

4. Has my deductible been satisfied? –If you have called a “behavioral health” or “mental health” number on your         card, he/she may tell you that you must phone the main insurance company number to obtain this information.

5. Does this "deductible year" run from Jan.—Dec.?  If not, where am I in the cycle?

6. What will be my co-pay (total cost minus whatever the insurance plan will reimburse you)?

7. How many visits am I allowed per calendar year?

8. Is pre-authorization required before I see a therapist?  If so, ask your customer service representative for this phone number, as you will need this to pursue authorization.

9. Is there a “pre-existing” clause?

10. What diagnoses qualify for reimbursement?

11. What types of licenses are accepted (i.e., Licensed Professional Counselor, Licensed Marriage & Family Therapist, etc.)