Insurance & Payments
We currently accept Blue Cross and Blue Shield, Optum Behavioral Health, United Health Care, Magellan, Aetna and Cigna. Creating Change, PLLC also accepts various EAP. Creating Change, PLLC also accept out-of-pocket clients. Some individuals who have insurance prefer to remain as pay out of pocket for a variety of reasons; which is acceptable. Cash or credit cards are accepted as payment. We accept Visa, MasterCard, American Express, HSA card, FSA card, and Discover. No personal checks. Receipt will be provided for all fees paid.
Benefits of out of pocket payments
- The client avoids a mandatory diagnosis, stigma and restrictions on treatment. When you use insurance your insurance company mandates that you be diagnosed with SOMETHING or they may not pay for treatment.
- Some insurance companies will mandate the type, length and the frequency of treatment based on the presenting problem. Clients who make out of pocket payments have more treatment flexibility.
- You maintain confidentiality. While there are legal limits to confidentiality. When clients use insurance, multiple individuals handle your paper work in order to process your claim. If total privacy is important to you and your family out of pocket cash payments will ensure greater levels of privacy.
- There is also research out there that suggests that patients who pay out of pocket are often more motivated and invested in treatment than those who get free or insurance based services. We have found this to be true in our practice.
- Clients who make the decision to pay out of pocket report that their main goals are personal growth, to develop healthier relationships, and decrease stressors also report it is worth the out of pocket cost for therapy.
However, we understand that out of pocket payments do not fit into everyone’s financial goals. Therefore, we can process your insurance. However, please check the following before enrollment:
- Do you have mental health benefits as part of your insurance plan?
- What is your deductible and has it been met?
- How many yearly mental health sessions does your plan cover?
- How much per session coverage do you have?
- Do you need prior approval from a physician for sessions to be covered?