Insurance and Fees

 
 

INSURANCE

New Harvest Therapy Services accepts most major insurance plans.

  • Anthem Blue Cross and Blue Shield

  • Aetna

  • United Behavioral Health (Optum)

  • Medicare

  • Humana

  • Cigna

Before your intial appointment, we will call your insurance company in order to obtain a quote of your benefits, so that you will know ahead of time approximately what your out of pocket cost will be. However, the information that insurance companies give to patients directly may be more up-to-date and accurate than the information the insurance company gives to a provider. Therefore, we strongly recommend you to call your insurance representative for a quote of benefits, as well. Any copays and coinsurance payments are due at the time of service and can be remitted via check, cash, or credit card.

OUT OF NEWORK PROVIDER

Although New Harvest Therapy Services is in network with most insurance companies, we have encountered clients’ whose insurance we are considered out of network. If New Harvest Therapy Services is out of network (OON) for you, you are still welcome to seek services with us. However, New Harvest Therapy Servcies will require full fee payment at the time of service. After each visit, you will be provided a Superbill which you may submit to your insurance for reimbursement of services. Your insurance company will reimburse you for the bill, should the insurance cover any portion of the bill.

PRIVATE PAY/SELF PAY/UNINSURED

Some clients prefer to pay for services out of pocket. Clients may elect not to submit claims to their insurance due to privacy or other reasons. Clients who have no insurance are considered priviate pay/self pay. Your therapist will discuss with you the payment schedule and provide you with an estimate of cost for services (Good Faith Estimate-Department of Health and Human Services (HHS) developed a standard notice of consent documents unders section 2799B-2(d) of the Public Health Service Act (PHS-Act).

PRO-BONO/SLIDING FEE

New Harvest Therapy Services does provide limited services for Pro-Bono/Sliding Fee sessions. These slots are extremely limited and are based upon finanical need. Please ask your therapist about this program if you are having difficulty paying for sessions or had a significant change in income. Should you be provided pro-bono/sliding fee session, your therapist will discuss with you the payment schedule and provide you with an estimate of cost for services (Good Faith Estimate-Department of Health and Human Services (HHS) developed a standard notice of consent documents unders section 2799B-2(d) of the Public Health Service Act (PHS-Act).

DISCLAIMER:

The Good Faith Estimate shows the cost of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created.

The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you dispute (appeal) the bill.

If you are billed more than the Good Faith Estimate, you have the right to dispute the bill.

You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.

You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the process within a 120 calendar days (about 4 months) of the date on the original bill.

There is $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.

To learn more and get a form to start the process, www.cms.gov/nosurprises or call 1-800-985-3059.

For questions or more information, about your right to a Good Faith Estimate or the dispute process, go to www.cms/nosuprises or call 1-800-985-3059.

  • A disclaimer that there may be additional items or service the convening provider or convening facility recommends as part of the course of care that must be scheduled or requested separately and are not reflected in the good faith estimate;

  • A disclaimer that the information provided in the good faith estimate is only an estimate and that actual items, services, or charges may differ from the good faith estimate; and

  • A disclaimer that informs the patient of their right to initiate a patient-provider dispute resolution process if the actual billed charges substantially exceed the expected charges included in the good faith estimate. This should include instructions for where the patient can find information about how to initiate the dispute resolution process, as well as a statement that the initiation of a patient-provider dispute resolution process will not adversely affect the quality of health care services furnished to the patient; and

  • A disclaimer that the good faith estimate is not a contract and does not require the uninsured (or self-pay) individual to obtain the items or services from any of the providers or facilities identified in the good faith estimate.