Privacy Regarding Therapy and Counseling
The affordable care act made it illegal for health insurance companies to use a “pre-existing condition” against you. However, some people do not want their health information submitted to insurance companies for a variety of reasons. If you don’t want your insurance company knowing that you see a counselor, you can elect to use a private form of payment. We base the cost of our care on economic need.
With these things in mind, you must make a personal decision about how you want to manage your healthcare information and “diagnoses.” Although the law currently protects certain disclosures regarding your treatment, laws may change over time or certain protections could be circumvented if mandated by the court. HCH Therapy and Counseling will always operate in a manner that best protects your right to privacy. You can also request the personal information we have regarding your care at any time.
Using Insurance That is Out of Network
While many clients do not realize this, many insurance plans will actually reimburse you (in part or full) for counseling services that you pay out of pocket. To find out if you qualify for this service, you must call your health insurance company and ask to speak to someone about “out of network” benefits. From there, they will let you know the method for submitting claims to your health insurance plan. Most of them usually require an invoice from your healthcare provider. Should you require invoice statements from HCH Therapy and Counseling, just let us know.
Using Your Health Saving Account
Your HSA card, Health Reimbursement Account, and other forms of tax-saving plans can all be utilized as forms of payments at HCH Therapy and Counseling. You may also use your Health Saving Accounts with associated health care practitioners, should you required supplemental care. Please consider all your options before deciding; it is up to you to determine the method of payment for your health care.
Using Cash or Another Form of Payment
It is your right to not utilize your insurance and work with your counselor on a cash rate. Whether you will end up accruing undesirable co-payments through your insurance, or perhaps qualify for a lesser payment due to financial status, you should discuss your options before starting care.
My aim is to make all the mental health services I provide both accessible and affordable. I accept many insurances, and have variable payment options based on financial need. I also participate in community education efforts to reduce stigmas that pertain to mental health by engaging in multiple forms of outreach — from community suppers to free workshops.
The information made available on this website is for educational purposes only and is not a substitute for professional medical care. HCH Therapy and Counseling is the trade name for Helen Ceballo-Hernandez, MA, LPC.
534 Fountain St NE, Grand Rapids, MI 49503
(616) 965-6923 firstname.lastname@example.org
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