Billing Overview
In-Network
In-network means that Atlas has completed a credentialing process with that insurance company and has signed a contract in which the insurance company agrees to cover specific costs for its members.
All providers at Atlas are in-network with BCBS PPO, Choice, and Options plans
BCBS HMO Site 501 & Site 502
Aetna PPO & POS plans
SOME providers are also in-network with
Cigna
Medicare Part B
Lyra
How do I know if I am in-network?
If you have a hard copy of your health insurance card, look for the insurance company name (often in the upper left corner). Information regarding your plan—such as the designation of PPO or HMO—should also be on the card (often on the lower left side). You can also call the number on the back of your card to inquire about your plan and whether our practice is in-network.
What if my insurance is NOT in-network?
This means Atlas is an out-of-network provider with your insurance.
Some insurance companies allow out-of-network benefits; however, the type of benefits varies by company and plan. We encourage you to check with your insurance company about your out-of-network benefits.
If you would like to use your insurance even though Atlas is out-of-network, we ask that you pay full price for the session. After the appointment, we will provide you with a superbill, a specific type of invoice you will need to submit to your insurance company for reimbursement.
If Atlas is in-network with my insurance,
how much will I pay?
When we are in-network with an insurance company and have a contract with them, we bill them directly. This means we send the insurance claim for each session straight to them. They will provide us with information on how much they cover and how much you are responsible for.
The amounts you may be responsible for include deductibles, copays, and/or coinsurance. These amounts are specific to your insurance provider and the plan you have chosen. These should have been outlined for you when you first enrolled in your plan.
What is a copay?
A copay is the amount you will owe per session. We frequently see copays between $20 and $60 per session, but they can be higher or lower depending on your specific plan. Copays are usually separate from your deductible.
What is a deductible?
A deductible is the amount you must pay out of pocket before your insurance begins to provide financial coverage. This may not always cover mental health services.
What is coinsurance?
Coinsurance is the amount you will owe for each session after meeting your deductible.
Coinsurance is the percentage of the total fee you are responsible for according to your insurance.
What if I do not plan to use insurance?
If you have insurance, you can decide whether to use it for services. Most individuals utilize their insurance since they pay a monthly premium, and their plans generally cover substantial portions of the costs. However, you can pay for services out-of-pocket instead of using your insurance.
Our full rates are as follows:
First appointment (intake assessment): $250
Subsequent appointments: $200
If you do not have insurance and/or are experiencing financial hardship, we may be able to offer reduced fees depending on clinician availability.