Fees and Payment: Insurance or Private Pay
Insurance can be confusing so I have listed some questions below that can help guide you to determine your benefits and coverage for mental health services. There is a list of the insurance plans that I am in network with toward the bottom of this page. I have also included information regarding the Good Faith Estimate- effective January 1, 2022, this applies to clients utilizing out-of-network benefits or private pay.
Important Insurance Information
-Call your insurance company so you are aware of the coverage and costs before attending your first session. You are financially responsible for services that are not covered by your insurance. (Questions to ask your insurance company are listed below.)
-Co-pay, coinsurance, and/or deductibles are due at the time of your appointment.
-It is your responsibility to know what your co-pay and/or deductible is and to make sure it is paid on time.
-Bring your insurance card to your first session.
QUESTIONS TO ASK YOUR INSURANCE CARRIER before your first session
The Affordable Care Act (ACA) has increased the coverage for mental health services. However, you will want to ask your insurance carrier some of the following questions:
Currently Accepted Insurances: (Clicking on the insurance name will direct you to their website)
~Blue Cross Blue Shield: Alliance Select, Blue Access, Blue Advantage, Blue Choice, Classic Blue, Hawk-I Blue Access, Wellmark Blue HMO, Wellmark Blue POS, Wellmark Blue PPO
~Cedar Valley Community Healthcare
~Midland's Choice
~Aetna
~Cigna
~Medicaid -
Wellpoint- formerly Amerigroup Iowa, Inc.
Iowa Total Care
Other Insurance:
If you have a different insurance provider you can contact your insurance company to inquire about coverage for Out-of-Network providers and services. I am not a Medicare provider.
PRIVATE PAY
Please contact me to discuss private pay options. I accept cash and check. If you pay with cash, please provide the exact amount as I am unable to provide change.
Feel free to contact me with questions regarding insurance or private pay.
Fees for services are billed as follows:
Intake appointment- $165.00
55 minute session- $160.00
45 minute session- $150.00
Good Faith Estimate
If you are not utilizing health insurance benefits or are utilizing private pay, you have the right to receive a Good Faith Estimate. This is an estimated cost of services that you will receive from Lisa HK Counseling. Fees for services are also posted above.
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
Important Insurance Information
-Call your insurance company so you are aware of the coverage and costs before attending your first session. You are financially responsible for services that are not covered by your insurance. (Questions to ask your insurance company are listed below.)
-Co-pay, coinsurance, and/or deductibles are due at the time of your appointment.
-It is your responsibility to know what your co-pay and/or deductible is and to make sure it is paid on time.
-Bring your insurance card to your first session.
QUESTIONS TO ASK YOUR INSURANCE CARRIER before your first session
The Affordable Care Act (ACA) has increased the coverage for mental health services. However, you will want to ask your insurance carrier some of the following questions:
- What are my mental health benefits? Are there any exclusions?
- What is my deductible? Does my deductible need to be met before services are covered?
- Do I have a co-pay or coinsurance?
- How many therapy sessions does my plan cover per year?
- Is pre-approval required from my primary care physician?
- * If you have insurance that I am not in network with*- What coverage is offered for an out-of-network provider?
Currently Accepted Insurances: (Clicking on the insurance name will direct you to their website)
~Blue Cross Blue Shield: Alliance Select, Blue Access, Blue Advantage, Blue Choice, Classic Blue, Hawk-I Blue Access, Wellmark Blue HMO, Wellmark Blue POS, Wellmark Blue PPO
~Cedar Valley Community Healthcare
~Midland's Choice
~Aetna
~Cigna
~Medicaid -
Wellpoint- formerly Amerigroup Iowa, Inc.
Iowa Total Care
Other Insurance:
If you have a different insurance provider you can contact your insurance company to inquire about coverage for Out-of-Network providers and services. I am not a Medicare provider.
PRIVATE PAY
Please contact me to discuss private pay options. I accept cash and check. If you pay with cash, please provide the exact amount as I am unable to provide change.
Feel free to contact me with questions regarding insurance or private pay.
Fees for services are billed as follows:
Intake appointment- $165.00
55 minute session- $160.00
45 minute session- $150.00
Good Faith Estimate
If you are not utilizing health insurance benefits or are utilizing private pay, you have the right to receive a Good Faith Estimate. This is an estimated cost of services that you will receive from Lisa HK Counseling. Fees for services are also posted above.
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.
You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services.
You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.
