How long will it take to get things settled with the insurance company?

Generally, it takes from 45 to 60 days to obtain payment from an insurance carrier.  You will be charged for any remainder that has not yet been paid after the insurance has settled your account. 

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​When will I be required to make the co-payment?

The co-payment is due at the time of service.  If the co-payment is not paid at the time of service, it will be charged to the credit card on file when the billing is completed by our billing administrator.  This may be when the EOB if finally received from your insurance.

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What is the exact amount charged for my sessions?​

Individual providers contract with local insurance companies when they are considered "in-network".  This makes it difficult to tell you how much your session will be given that each plan contracts at a different rate.  Therefore, if you are needing the exact amount you will have to pay (for instance if you have a deductible), you will need to contact your insurance company.  

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Responsibility.

​It is your responsibility to understand the particulars of your insurance plan.  You can call the Human Resources department at your employer, or call the number on the back of your card if you have specific questions about your plan.  In addition, you are required to stay informed regarding the changes in co-payments, deductibles etc. that are associated with your account.  If your policy changes, please make sure that you contact us to provide us with these changes so that you are not left with a large bill.  Changes that have not been reported to Family Ties (that result in under or no payment) are your responsibility.  You will be billed for services denied by your insurance at the full rate.
 

Why do you keep a credit card on file?  Is the information secure?

A credit card is kept on file for various reasons.  In particular, to provide easy payment for various items you are responsible for such as co-payments, missed appointments, etc.  It will only be charged according to the credit card policy.  For your safety, it is kept securely.  

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Will my diagnosis be kept in my medical record?​

​When a client chooses to use medical insurance, a diagnosis is required for the purposes of billing.  This diagnosis is kept on record with the insurance company.  It is impossible to determine what this will mean in the future for any client.  Those that are concerned about others having access to their record, or of having a medical diagnosis on file may want to consider private pay.  The rates for private pay vary depending on the type of session.  Those on a fixed or low income may qualify for a sliding scale fee.

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Other

• A returned check will be assessed a $20.00 fee for expenses.

• Financial Difficulties?  We are happy to work with those that need a payment plan.  As long as an agreement is made and regular payments are received, an account is considered in good standing. 

• In the rare circumstance that a client's account has become more than 120 days overdue, the account will be sent to collections.  This will never happen without having made several efforts to contact the client.  Once an account is sent to collections, the client will need to contact the collections agency to settle the account.  Family Ties Counseling, Inc. is no longer able to talk with the client or make payment plans or arrangements.