Insurance and fees

  • Self Pay Clients

    If you do not have insurance, or you choose not to file your insurance, you will pay the private pay amount for services rendered.

    As pay rate is determined by expertise, education, and experience, each of our clinicians has a different “self-pay” rate. This rate will be disclosed prior to your first session.

    At YNC, our hope is to remove as many barriers to mental health as possible. Each of our clinicians has an allotted number of sliding-fee slots on their caseload. If you are uninsured or underinsured, please reach out to see if this opportunity may be available! Please note these slots fill quickly and often have a waitlist.

  • Private Insurance

    All of our clinicians are in network with Blue Cross Blue Shield/Anthem Blue Cross, Friday Health Insurance, and Medcost. We also have clinicians in network with Aetna, United Healthcare, and Cigna.

    If we are in network with your insurance provider, we will file insurance on your behalf.

    If we are not in-network with your insurance provider, we can provide you with a “superbill” for you to file if you choose to do so.

All co-payments and payments are due at time of service.

All no-show or late cancellations (cancellations within 24 hours of appointment time) will be subject to a late cancellation fee.

Your clinician’s individual cancellation policy and fee can be found on their informed consent (provided to you prior to your first session).

No Surprises Act

“The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers. It also establishes an independent dispute resolution process for payment disputes between plans and providers, and provides new dispute resolution opportunities for uninsured and self-pay individuals when they receive a medical bill that is substantially greater than the good faith estimate they get from the provider.”

-CMS.gov

No Surprises Act

“The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers. It also establishes an independent dispute resolution process for payment disputes between plans and providers, and provides new dispute resolution opportunities for uninsured and self-pay individuals when they receive a medical bill that is substantially greater than the good faith estimate they get from the provider.”

-CMS.gov

Good Faith Estimate

Beginning 01/01/2022, therapists and other health care providers are required by law to give uninsured and self-pay clients a Good Faith Estimate (GFE) of costs for services that they offer, when scheduling care or when the patient requests an estimate.

A good faith estimate (GFE) is a document that outlines the estimated costs and terms of receiving services from a healthcare provider. This enables clients the opportunity to compare pricing among different providers by giving detailed information regarding services and costs of services received at each provider’s location. The costs noted on the Good Faith Estimate are estimates based on service pricing at the time the estimate is given. The final costs for services may be higher based on when the services are provided and the duration of the services. If this happens, federal law allows you to dispute (appeal) the bill.

The Good Faith Estimate is not a contract. Which means you are not required to obtain the items or services provided by Your Next Chapter Counseling listed in the Good Faith Estimate.

You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available.

You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill.

There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on the Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount.

To learn more about disputes and get a form to start the process, go to www.cms.gov/nosurprises  or call 1-800-985-3059.

For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises  or call 1-800-985-3059.