Insurance and Rates

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 you 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.

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