Rates and Insurance


Rates and Insurance

o We discuss fees and rates as part of an initial telephone discussion.
o David is an in-network provider for Cigna, Blue Cross Blue Shield of Florida (Florida Blue) and Medicare
o David and Eva can provide out-of-network services for the other major insurance companies. The following steps need to be taken to determine out-of-network eligibility by asking the following questions of your health plan:

Do I have behavioral health benefits?
What is my mental health deductible and has it been met?
How many yearly sessions does my plan cover?
How much coverage does my plan offer for an out-of-network provider?
How much does my plan reimburse for psychotherapy?
Do I need preapproval from a primary care physician?

o After you’ve met your deductible, your plan will reimburse you at a certain percentage. Your health insurance or employee benefit/assistance plan may cover all or part of your costs. With out-of-network benefits, the client pays for the session and submits a receipt for reimbursement to their insurance provider. Feel free to call the office so that we can help verify your benefits.
o By paying privately, no diagnosis is required (unlike insurance) and you gain an extra layer of confidentiality as no insurance company employees are handling your information.
o David and Eva accept all credit cards and health saving account cards for payment.
o Cash, Visa, Master Card, American Express and checks are accepted for payment.