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Frequently Asked Questions Do you accept my insurance? We accept many types of insurance, but you should contact your insurance company to see whether they would cover your costs and how much they would pay. Insurance rarely covers 100% of all costs. Mental health benefits are generally administered by a managed care company. For some managed care companies, a doctor must be on the specific panel for your insurance in order for you to receive "in network" benefits. You must call your insurance to see if they restrict your benefits to doctors in their network, or if they have some "out of network" coverage. While there may be a certain advantages to accepting services only from a provider who is in your network, often the savings does not justify the loss of the ability to choose your provider. You should have the name of your specific therapist because not all of our psychologists are credentialed in the same insurances. Often, people think that because one doctor from Hoover and Associates is in their insurance, all the doctors in the group are, too. That is not the case: all have to be credentialed individually. Generally, there is a phone number on the back of your insurance card to call for information. When you call your insurance company, be sure to ask for "outpatient mental health benefits." Also, many companies require the insured to call to pre-certify the first session. It is always best to contact your insurance company before coming for your first visit. After we submit the claim to your insurance company you will be sent a bill for the amount not covered by insurance. Sometimes it can take two months or more before your insurance company responds to claims we file on your behalf. Because of this, we ask that you pay your co-pay or other amount not covered by your insurance on a weekly basis in order to avoid having the charges mount up while your insurance company processes your claims. Please note that the patient billing statement is a remainder statement. Therefore, it shows only what the patient's outstanding amount is after the insurance pays the claim. Claims are submitted with 'Hoover & Associates' as the billing claims address. If you leave therapy and then return after a few months, we need to get a copy of your insurance card again, in case of any changes to your coverage. |