Private Pay and Out of Network Information

AnnCharlotte Tavolacci, Creative Art Therapy and Educational Services, does participate in insurance plans, if your insurance offers out of network services that are eligible. Paying out-of-pocket is a great option for people who want maximum privacy, confidentiality, and flexibility.

CAN I USE MY OUT OF NETWORK BENEFITS?

Most PPO Insurances offer out of network benefits. In some cases you may be eligible to use out-of-network insurance benefits to offset the costs of therapy. You will be responsible for paying for each session in full at time of appointment. If requested, our office will send you a receipt of a monthly bill reflecting your sessions and fees  that you can submit to your insurance company for reimbursement.

ACCEPTED FORMS OF PAYMENT?

All major credit and debit cards

HSA / FSA Spending Accounts

Venmo

Zelle

HOW DO I USE MY OUT OF NETWORK BENEFITS?

Your out-of-network benefits are usually pretty straightforward to use. Most insurance companies have you upload your monthly superbill online and then they will mail you a check with your reimbursement. If applicable, we will send this to your provided email on the first of the month.

 You can ask them the following questions: 

-Do I have out-of-network outpatient mental health coverage? Am I able to use these benefits for telehealth? 

-What is my out-of-network deductible? 

-How much of my deductible has been met this year? 

-Do I need a referral from an in-network provider to see someone out of network?

-Do you reimburse me if I see an LCAT (AnnCharlotte Tavolacci’s Therapeutic License Type)?

-What percentage of outpatient psychotherapy sessions are covered per session? 

-How much will I be reimbursed for a 45 minute psychotherapy session (CPT code: 90834)? 

-How do I submit claim forms for reimbursement? 

-How long does it take for me to receive reimbursement?