Insurance

Some health insurance companies will reimburse clients for counseling services, and some will not. Depending on your insurance plan and coverage, a certain percentage of your service fee may be paid back to you by your health insurance company. Some conditions for which people seek counseling do not qualify for reimbursement. Please call the number on the back of your insurance card beforehand to find out their "out-of-network" (OON) reimbursement rates for Telehealth-based mental health services.

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We are happy to provide you with a form called a "Superbill" that you can submit to your health insurance company for possible reimbursement. If requested, a Superbill will be provided for services that are paid at the full-fee rate.  Services that have been provided and are not yet paid will not be included on Superbills.

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Most health insurance companies require that a mental health diagnosis be recorded before agreeing to reimburse you. Therefore, a recorded diagnosis will be necessary if you are interested in submitting a Superbill to your health insurance company for possible reimbursement. 

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If a qualifying diagnosis is appropriate in your case, we will inform you of the diagnosis BEFORE you submit a Superbill to your health insurance company.

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For additional information, see the American Psychological Association's coverage guide

Absolutely there are!

Here are some Pros and Cons to using your health insurance benefits to pay for mental health care.

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Pros:

• If you have coverage to see the provider you choose, it will probably be cost effective to use your health insurance to pay for services.
• You pay a lot of money to have health insurance and it may make sense to get the most out of your benefit package by using insurance for therapy.

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Cons:

• There are many circumstances in which you might want to keep the fact that you are in treatment, as well as any information about that treatment, completely private between you and your therapist.
• In order to qualify for benefits you must surrender a level of confidentiality to the insurance company that would otherwise remain between you and your therapist.
• Insurance companies may ask for personal information to determine whether or not they think treatment is warranted.  This is to decide if you are eligible for treatment, rather than leaving that decision up to you and your clinician.
• In order for insurance to reimburse your treatment you will receive a mental health diagnosis that goes in your permanent medical record.  This diagnosis constitutes a “pre-existing condition” that may be a disqualification from benefits in the future or may otherwise interfere with your coverage if you change plans.  Once you have used health insurance for mental health care you will also have to disclose your treatment history if you apply for life insurance and in certain other circumstances.
• Insurance policies often limit the number of sessions you are allowed to attend each year.  They may or may not authorize more sessions based on what they determine is a “medical necessity”.  Your therapist will have little say in this decision and making your case may involve a lot of paperwork and footwork on your part.
• Employers often change insurance companies to save money.  You may form a bond with your therapist only to find out that he or she is not a provider on your new plan.
• Insurance rarely pays for marital or relationship therapy.  Instead, one partner will be identified as the “identified patient” and will receive a mental health diagnosis.  The insurance company will then authorize conjoint treatment for that person and his/her partner.

All major credit cards are accepted, including FSA and HSA. Payments are made through your online portal.

Rebel Care Counseling & Wellness, PLLC will provide you with a Superbill, which is a detailed receipt for all paid in full services with all applicable insurance codes listed. You can then submit this directly to your insurance company for reimbursement, depending on your specific policy. 
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Another option is to utilize Reimbursify, an app that helps patients who pay out of pocket receive reimbursement from their insurance company. We provide you with a superbill which you submit via the app. Reimbursify acts as the intermediary to get claims reimbursed.

Client payments will run at the end of each session through the online payment portal. Full payment is required for each session and due at each session.

We have a firm 24-hour cancellation policy.

Here is the why: Therapist see 5-8 clients per day, where an hour is dedicated to therapy and notes. It is very hard to fill these spots if someone does not show or cancels. This lost will not be covered and the therapist will not get paid. In order to keep things running, a small fee is applied to no shows or less than 24-hour cancellations.

We understand life happens and we will work with you to reschedule - if possible. Please know that the cancellation policy is to ensure boundaries are clear so Rebel Care can provide excellent care to all the clients we get to serve.