We Accept Insurance!
Removing barriers to accessing quality mental health therapy is important to us. That’s why we have chosen to partner with a variety of widely used insurance agencies. We currently accept the following, insurances:
Aetna
Cigna
Providence Health Plan
Carelon Behavioral Health
Anthem Blue Cross and Blue Shield
Independence Blue Cross Pennsylvania - Virtual National Network
Horizon Blue Cross and Blue Shield of New Jersey
Please Note:
Insurance benefits vary by plan, and coverage is determined by each individual insurance provider.
While insurance may cover a portion of therapy services, clients are responsible for understanding their specific benefits, including copayments, coinsurance, deductibles, and session limits.
Insurance companies make the final determination regarding coverage and reimbursement.
Self-Pay Option
Clients may choose to pay privately for services rather than using insurance. Self-pay clients may choose whether or not to receive a superbill for potential out-of-network reimbursement.
What’s is a Superbill?
A superbill is a detailed receipt that clients who pay privately for therapy services may use to seek possible reimbursement from their insurance company as an out-of-network benefit. A superbill typically includes required information such as the provider’s credentials, license information, dates of service, service codes, and a mental health diagnosis. Submission of a superbill does not guarantee reimbursement, as all reimbursement decisions are determined by the insurance provider.
Clients are responsible for contacting their insurance company to confirm out-of-network benefits and for submitting the superbill directly to their insurer. Calming Corner does not communicate with insurance companies on behalf of self-pay clients.
Benefits of Superbills:
Transparency - It provides a clear breakdown of services, costs, diagnosis codes (ICD), and procedure codes (CPT), helping patients understand what they are paying for.
Potentially More Affordable - In some cases the reimbursement received, lowers your out-of-pocket costs. Here’s an example:
Your insurance company requires you to pay a $25 copay for therapy sessions. Your session fee is $100. Instead, you decide to pay for the session upfront and submit a superbill to your insurance company. Your insurance company reimburses you $85. Making your total out of pocket cost $15, which is lower than the $25 copay.
Enables Use of HSA/FSA Funds:
A superbill can be used as documentation to reimburse healthcare spending accounts (HSAs or FSAs).Tax Deductions - Can serve as proof of medical expenses when filing for deductions during tax season.
Helpful Questions to ask your insurance company:
What is my out-of-network coverage for outpatient mental health services?
Do I have a deductible? How much of it has been met this year?
Is there a session limit per year?
What is the "allowed amount" that will be reimbursed per session?
Do I need pre-authorization or a referral to work with an out-of-network provider?
How do I submit claims for reimbursement?
Are tele-therapy (virtual sessions) covered?
Are there any other limitations or requirements I should know about?
Self-pay session fees:
Individual Therapy - 60 minutes | $100 per session
Individual Therapy - 45 minutes | $80 per session