Insurance Coverage & Billing

We can work with all private insurance policies that offer coverage for our services. Whether you are in-network, out-of-network, or uninsured we will help you evaluate all options so you can determine which route will be the most affordable for you. We believe in full transparency so anyone considering our services will always know exactly what to expect. This page explains how we bill patients and/or their insurance company when a health insurance policy is used.

Select your insurance policy to review coverage status:

Aetna
Yes! If your policy has out-of-network coverage, we can provide out-of-network coverage through patient reimbursement. Alternatively, you may prefer to take advantage of our low self-pay rates.
Blue Cross Blue Shield (BCBS)
Yes! If your policy has out-of-network coverage, we can provide out-of-network coverage through patient reimbursement. Alternatively, you may prefer to take advantage of our low self-pay rates.
Cigna (EverNorth)
Yes! We are in-network with Cigna (EverNorth).
Johns Hopkins EHP
Yes! Johns Hopkins EHP currently advertises that its members may use Cigna PPO providers at in-network rates. As long as those with EHP policies can continue using Cigna providers then we can provide you with in-network coverage. In the event the ability to use Cigna PPO providers is discontinued or you prefer to use your EHP policy, we can provide out-of-network coverage (provided your plan has out-of-network coverage) through patient reimbursement or you may prefer to take advantage of our low self-pay rates.
Optum (United HealthCare)
Yes! we are in-network with Optum (United HealthCare).
Other Private Insurer
Yes! If your policy has out-of-network coverage, we can provide out-of-network coverage through patient reimbursement. Alternatively, you may prefer to take advantage of our low self-pay rates.
Uninsured
You may take advantage of our low self-pay rates.
MedicAID
Due to extensive regulatory and administrative burdens, we do not accept Medicaid. However, you may take advantage of our low self-pay rates.
MedicARE
Medicare places major restrictions on coverage for telehealth services. Due to this and other extensive regulatory and administrative burdens, we do not accept Medicare. Our providers are opted out of Medicare. This means that anyone enrolled in Medicare must legally sign a contract agreeing to not seek reimbursement through Medicare if they elect to use services at our practice.

In-Network Insurance Billing

Insurance companies require that we collect all applicable deductible, copay, and/or coinsurance amounts directly from patients. In order to simplify the billing process and maintain a high quality of care, we collect these amounts upfront on or near the appointment date.

Initial Evaluation

When you schedule an initial evaluation with us, we will charge a $99 deposit to reserve the appointment time. As long as you attend the appointment this $99 deposit will be credited toward your appointment cost on your appointment date. 

If your policy has no yearly deductible or you have already met the deductible: After you attend the appointment we will refund the $99 deposit, minus any copay or coinsurance you are responsible for. We will then bill your insurance company for the remainder.

If your policy has an unmet yearly deductible: After you attend the appointment, we will apply the $99 toward your total appointment cost and process a second charge for the remaining amount of the evaluation. We will then file a claim with your insurance notifying them of your payment so you receive credit towards your deductible.

If you do not attend the appointment: The appointment deposit will be non-refundable to help (partially) mitigate the expenses involved in processing a new patient request and reserving the healthcare providers time. Insurance will not cover missed appointment fees.

Return Visits

If you have no yearly deductible or have already met the deductible: Up to 24 hours prior to the appointment time we will charge your payment method on file any applicable specialist copay or coinsurance requirements. We will then bill your insurance company for the remaining cost after the appointment. 

If you have not met your yearly deductible: Up to 24 hours prior to your appointment time we will charge your payment method on file an estimate for the service provided. If this amount is inaccurate we will make a correction following your appointment. We will then file a claim with your insurance company so they apply this amount towards your deductible.

If you do not attend the appointment: A missed appointment fee will apply. If we have already billed in excess of the missed appointment fee we will refund the difference. If we have not billed the full cost of the missed appointment fee we will add the difference via an additional charge.

Out-Of-Network Insurance Billing

If you have an out-of-network policy with out-of-network coverage: We will bill you our standard rate for services provided and then help you submit a claim to your insurance company so they can reimburse you.

Initial Evaluation

For new patient evaluations we charge a $99 deposit to hold the evaluation time. As long as one attends their appointment the $99 will be credited toward their evaluation cost. Once the final cost is calculated following the conclusion of the appointment we will bill the patient directly for the remaining balance.

Within 7 days following the appointment date we will provide a copy of the receipt and all documentation necessary for the patient to submit a claim to their insurance company. We will handle the confusing and time consuming aspects of the documentation. The patient will simply need to fill out a claims form, attach the documents we have provided, and submit the claim online or through the mail. The insurance company will then send a check directly to the patient for the amount of the service the insurance company is responsible for. While reimbursement turnaround time after claim submission can vary significantly, a 2-week turnaround is a reasonable estimate for most. Reimbursement turnaround should generally not take more than 30 days in most cases.

Return Visits

We charge the payment method on file the standard rate for the anticipated billing codes up to 24 hours prior to the appointment date. If the estimate is inaccurate an adjustment will be made immediately following the conclusion of the appointment. Claims and reimbursement is then handled the same way as previously described for the initial evaluation.

Total Billed When Using Insurance

When billing insurance we currently charge between $236 to $316 for our evaluation and $137 to $192 for follow-up appointments. The overall amount varies when using insurance because we are required to bill from a set of insurance service codes and the code(s) used depend on a number of variables during each appointment. While we will not know the exact amount until the appointment is concluded we can guarantee that with our current rates, the evaluation will never be higher than $316 and a follow-up will never be higher than $192. This is based on our current standard rates for service, which may change at any time with 30 days' notice.

The rate that we charge is the same for both in-network and out-of-network patients, but there is one major difference. Let's say someone has presented for an evaluation and their total bill is determined to be $275. The insurance company may only pay $240 for these service code(s). If the policy is in-network we will accept the reduced rate of $240 and will write-off the remainder; neither the patient or the insurance company will have to pay the $35 difference. If the policy is out-of-network we will not accept the $240 as full payment and the patient will be solely responsible for the $35 difference.