MSPC General Policies

General Policies:

     Modern Strength Psychology Center (MSPC) requires that each client keep a valid, non-expired,

form of payment on file at all times. This credit card will be charged for fees, co-payments, and

services, regardless of whether or not the client is using insurance. If the client is using primarily

a health savings account (HSA) or a Flexible Spending Account (FSA), a second form of

payment will still be required to be on file in the event that the client’s HSA or FSA does not

have adequate funds. Fees associated with each appointment are due at the time of service. Cash, check, and credit card payments are accepted. Fees for services rendered are deemed non-refundable.

Good Faith Estimate:

     Providers are required by federal law to provide a Good Faith Estimate (GFE) for clients who are

uninsured, out-of-network, or who opt out of the use of insurance benefits. As such, a GFE for

the initial appointment will be provided prior to the first appointment and a secondary (GFE) will

be provided once subsequent needs are determined.

No-Shows, Late Cancellations and Reschedules:

      Each clinician has a limited caseload to ensure they have sufficient time and energy to provide

high quality services to each client. The appropriate fee will be automatically charged per the

following guidelines; it is important to note that no-show/late-cancellation (NSLC) fees are

not payable by insurance and therefore will be charged in full to the client:

• The NSLC fee for therapy appointments will be equal to the fee charged for the duration and type of the scheduled appointment. Advance notice of 24 hours is required for any cancellation or rescheduling.
• The NSLC fee for neuropsychological intake, testing, or feedback is $300.00. Advance notice of 24 hours is required for cancellation or rescheduling of intake or feedback; 48-hour notice is required for half-day or full-day testing appointments.
• The NSLC fee for psychological or psychoeducational intake, testing, or feedback is $250.00. Advance notice of 24 hours is required for cancellation or rescheduling of intake or feedback; 48-hour notice is required for half-day or full-day testing appointments.

Modern Strength Psychology Center will individually review situations that are considered to be

out of the control of the client (e.g., illness, unforeseen sudden changes).

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Discharge from services:

     MSPC providers reserve the right to discharge a client from services after three no-shows and/or

late cancellations. Advance notice of 24 hours is required for cancellation or rescheduling of

therapy, neuropsychological intake, testing, or feedback appointments. 48-hour notice is required

for half-day or full-day testing appointments.

Payment Plans:

     Payment plan options are considered on a case-by-case basis as services and rates vary by provider. Should you require a payment plan, please contact our administrative team at admin@modernstrengthpsych.com to discuss available options. 

     Please note: Payment plans will only be considered prior to an account being sent to collections.

Once the account has been transferred to the collection agency, we are unable to make any

adjustments. Payment plans are offered so you may avoid defaulting on your bill.

Collections:

If your credit card on file is declined for any reason and your account is overdue by 30 days from

initial invoicing, MSPC will attempt to contact you via the phone number you provided. Paper

invoices will also be sent at 30 days past due and 60 days past due. When the account reaches 90 days past due, MSPC may send your account to collections to

ensure your provider is paid appropriately for the services rendered. This will include any and all

fees associated with collection efforts.

     PLEASE NOTE: If your balance remains unpaid for more than 30 days, MSPC and/or

your individual provider reserves the right to suspend services.

Payment Dispute:

     If you have any questions regarding costs or charges, please alert MSPC as soon as possible so

that we can work with you to clarify and, if needed, remedy any billing mistakes. MSPC staff are

happy to discuss any concerns or confusion that may arise from billing. In the event that you

dispute a charge from MSPC after services have been rendered, information will be forwarded to

your credit card company or bank. This information will include services that were provided and

documentation of your consent to payment for those services. You are liable for costs associated

with any and all services that you were supplied, as well as any fees that as a result of your

dispute.

     Please Note: If you falsely dispute charges with your credit card company or bank, you will be

discharged from the practice and provided a referral to another clinic, as this action will be

considered a rupture to the therapeutic relationship.

Policy: 

Following your intake interview, MSPC will contact your insurance to estimate your out-of-pocket costs for the evaluation process based on your insurance's benefits. This amount will be

due as a deposit at the time of your testing appointment. After your bill has been processed

through insurance, your deposit will be put toward your patient balance (out-of-pocket cost). If it

is determined that you have paid more than was required by your insurance company, this will be

refunded to you. If there is a remaining balance due, you will receive a bill in the mail. 

Insurance:

At Modern Strength Psychology Center (MSPC), we pride ourselves on offering high quality care to a wide variety of individuals, both insured and uninsured alike. As a practice, we allow our providers the flexibility to opt in to the insurance panels that they feel best fit with their current practice. As a result, network status in the office can vary from provider to provider.

     With that in mind, we encourage you to contact our office and your insurance company to verify your benefits; it remains your responsibility to understand your insurance plan. While MSPC

attempts to keep an updated list of accepted insurance, this information does not serve as a guarantee of coverage and payment.

     Once your claim is processed, you will be informed of the amount attributed to “patient

responsibility.” This can include deductible, coinsurance and/or copayments. While we make

every reasonable effort to pre-determine the amount you will owe, it is not uncommon for the

final amount to vary somewhat from the estimate. As a result, you may find that you owe more

or less than you were originally quoted by the practice.

     Payment is expected within 30 days of your invoice, after which time you will receive a call or

email informing you that your card on file will be charged. If you have a credit balance, you

have the option to put the funds toward future copayments or be issued a refund. Should you

choose to be refunded, a credit will be issued in the form of your original payment within 15-20

business days.

Secondary Insurance:

     Please inform us if you have more than one insurance plan, so that we can be sure to bill

accurately for your services. It is crucial that you speak with all payers involved in your

coverage to establish what is called “coordination of benefits.” This allows us to submit claims

to both plans, and helps the carriers know who is primary and who is secondary. Failure to keep

this information up to date can cause claims to process and pay incorrectly and may result in

your having to cover unpaid amounts. MSPC is unable to back bill for old appointments.

Special Note Regarding Telehealth

     Telehealth services are billed at the same rate as in-office visits; however, insurance companies

do not always include telehealth as a covered service, especially as we move away from

intensive pandemic protocols. If this is the case, your telehealth services may be considered an

out-of-network service and payment for the session will be expected at the time of service.

Out of Network Coverage:

     Modern Strength Psychology Center (MSPC) offers Out-of-Network (OON) billing as a courtesy

for those who many want to see a provider who is not paneled with their specific insurance. We

encourage you to call your insurance company to inquire about the extent of any out-of-network

benefits you may have – you might be pleasantly surprised!

How does Out-of-Network (OON) billing work?

     Upon registering with the practice and completing your intake paperwork, please let the us know

through your patient portal or at the front desk that you would like us to submit OON billing for

you.

     When you arrive for each appointment, you will be asked to pay your provider’s service fee (see

fee schedule). A claim will be sent to your insurance company, just as it would be for in-network

services. In some cases, you will receive a check directly from your insurance for the covered

amount; in other instances, your insurance will pay MSPC. Should that occur, the funds will be

placed on your account against future charges or refunded to you, per your preference.

    We recognize that navigating insurance benefits can be frustrating and as we are excited to help

you access the care you need while minimizing your need to talk to your insurance company.

Please note that OON billing is a courtesy service and the amount refunded to you is determined

by your insurance carrier. Not all insurance provides for OON benefits.

     If for any reason we are unable to bill your out-of-network insurance, we will provide you with a

detailed statement (a “superbill) which you can submit directly to your insurance for

reimbursement. Superbills will be provided monthly for continuing patients. Your insurance

company may not pay the entire amount for the services rendered and instead pay at a rate

determined by them. Any price discrepancy between our rate and theirs will not be refunded.

Opting Out of Insurance:

     It is your right to opt not to use your insurance, even if you have coverage. If you elect to do

this, please inform us prior to your appointment so we may provide you with appropriate

paperwork. We are required to have a special form on file, for your protection as well as ours,

due to our contract agreements with the insurance companies. Under this circumstance, you will

be billed at your provider’s full self-pay rate and payment will be expected at the time of service.

     Just as you had the right to opt out of billing insurance, you have the right to change your mind.

If you decide later that you wish to bill insurance after all, please see the front desk to complete

an “opt-in” form, which will allow us to bill your insurance. Note: If you decide to opt back into

insurance billing, previous payments will not be reimbursed nor will MSPC re-bill your past

sessions to your insurance company.

Uncovered Services and Payment:

     Modern Strength Psychology Center (MSPC) is not responsible for charges not covered by

insurance, including denials and “recoupments” (when an insurance company pays and then later

requests payment be returned). This remains true even after services are terminated with MSPC

providers. Any such uncovered or denied charges are the responsibility of the client.

Common reasons for insurance denial:

• Couples/premarital counseling is not always a covered benefit
• More than one session in a single day
• Receiving individual therapy from more than one provider

You are responsible for the full cost of these services if they are denied by your insurance carrier.

It is crucial that you inform us of any additional therapy you are receiving so that, if at all

possible, we can coordinate your care and limit your out-of-pocket costs.

Self-Pay:

     Self-pay patients will be charged in full at the time of service. Prices shall be guaranteed by the

session and are reviewed on an annual basis. If a change in our fees is anticipated, we will notify

you by December 1st, with new fees taking effect on January 1st of the following year.

Clinical Email and/or Phone Correspondence:

     Clinical phone conversations and emails that exceed 15 minutes are billed at the provider's

standard full hourly rate, prorated in 15-minute intervals. This time will be billed to you and is

not covered by insurance. Calls or emails regarding appointment cancellations or rescheduling

are exempt from this rule.

Documentation Fees:

     Treatment letter completion, correspondence with outside providers, FMLA documentation, and

printing, scanning, and faxing of your treatment record are normally completed within ten

business days at a fee of $25 per 15 minutes of preparation, with a minimum of 15 minutes.

There will be an extra $25 charge if you require this documentation to be expedited (within five

business days). All paperwork fees are expected at time of service.

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Contact

For more information or questions, feel free to contact us at (317) 559-3221 or email us at

admin@modernstrengthpsych.com.