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Insurance & Payments

Services may be covered in full or in part by your health insurance or employee benefit plan. Please check your coverage carefully by asking the following questions:

  • Do I have mental health insurance benefits?
  • What is my deductible and has it been met?
  • How many sessions per year does my health insurance cover?
  • What is the coverage amount per therapy session?
  • Is approval required from my primary care physician?

We are an in-network provider for Blue Cross Blue Shield.
All other insurance plans will be out of network.

Cash, check, Visa or Mastercard are accepted. Our out of pocket rate will vary based on your insurance policy. Please contact us for specific rate information. 

Cancellation Policy

If you do not show up for your scheduled therapy appointment, and you have not notified us at least 24 hours in advance, you will be required to pay the full cost of the session.

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Questions? Please
contact me for further information.

The Pros and Cons of Using your Insurance- A brief overview

Some health insurance plans have outpatient mental/behavioral health benefits. The obvious reason to use these insurance benefits for therapy is to reduce costs for you or your family member as the comany may pay for your services partially or sometimes in full. There may be a deductible or co-pay, or sometimes a co-insruance rates that you are still responsible for at the time of service. Please note there may be restrictions as to the frequency and total number of sessions that can be used in a year and a lifetime based on your plan and authorizations need to be obtained. Charlotte Therapy Associates files insurance claims on your behalf, and you are responsible for any unpaid balance that the insurance company does not pay. Charlotte Therapy Associates is only contracted with Blue Cross and Blue Shield. We do not file claims with any other insurance carriers. 

One concern about using that benefit is privacy and confidentiality.  Many health benefits are administered through your company’s or employer's Personnel or Human Resource Department. Some clients might be concerned about how their companies handle personal information, especially regarding mental health so you may want to check into this with your individual company. You may also be concerned about how insurance information is used by insurance companies or employers. To process claims the insurance company generally requires a diagnosis, dates of service, the provider’s (therapist’s) name and address and other details about your visit. Managed Care programs or prior authorization requirements may require even more information and usually ask for a treatment summary including some details from therapy in order to determine the insurance company’s view of medical necessity. They may deny payment if they determine that treatment has required more sessions than they believe appropriate. Or they may deny additional sessions through your benefits if they no longer deem the service medically necessary. 

We cannot advise you as to what decision is best for you.  We provide this information simply as a way for you to be informed of what might be involved in that decision. If you chose to use your insurance benefit, we will provide only what is required by an insurance company to meet the terms of your policy and plan.  Unfortunately, we can make no assurances regarding what happens to that information once it leaves our office. If so have additional questions regarding the use of insurance please let us know.

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Helpful Forms

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