Frequently Asked Questions
Table of Contents
- How do I get started?
- What are your rates?
- Can I use my insurance benefits?
- Do you accept HSA, FSA, HRA, or EAP?
- What’s the difference between copay, coinsurance, and deductibles?
- What is my patient responsibility?
- What if my insurance denies payments?
- How do I cancel or reschedule an appointment?
- How long are sessions?
- How often am I expected to see my psychotherapist?
- Can I contact my psychotherapist outside the sessions?
- Do you provide paperwork (e.g., letters, forms, reports)?
- Do you offer in-person sessions?
How do I get started?
To get started, please identify if you are self pay or insurance, familiarize yourself with our clinicians and decide your preferred psychotherapist(s). If you are a self-pay client, you can visit the Book Now page to directly book your appointment. If your preferred clinician does not have immediate availability, you can send an email to firstname.lastname@example.org to be placed on their wait-list.
If you would like to use your insurance benefits, you can fill the Insurance Verification form. We will reach out with your out-of-pocket expenses & availability, you will confirm your appointment, you will be sent the intake docs to be completed prior to your first session, you will be sent the appointment links & reminders, and you will meet you therapist & get started with your therapy journey
- Identify preferred clinician (s)
- Book self-pay appointment or submit the Insurance Verification form
- Receive a confirmation e-mail regarding your out-of-pocket expenses and availability for your preferred clinician
- Confirm appointment time
- Receive confirmation that your appointment has been booked, along with appointment links & reminders
- Complete you intake documents (Telehealth Consent, Informed Consent, Missed Appointment Policy, Demographics, Initial intake questionnaire, Assessments, & Credit Card)
- See your clinician on appointment date and time by accessing virtual appointment link
What are your rates?
Initial Phone Consultation: $45.00 / 15 minute session
Individual Therapy: $150.00 / 50 minute session
In-network/ psychotherapy: varies / 50-60 minute session
Couples Therapy: $215.00 / 90 minute session
Correspondence: $150 / hour
Can I use my insurance benefits?
Yes, Roamers Therapy LLC is preferred provider for United Health Care/Optum, BCBS-PPO, Blue Choice PPO, Cigna, and Aetna.
We are happy to help you understand your in-network and out-of-network benefits for a particular plan.
Roamers Therapy is currently accepting/ in-network with:
United Health Care/ Optum
Blue Cross Blue Shield -PPO
Blue Choice – PPO
Click the button below to submit your insurance info & we verify what your patient responsibility will be:
Out of network provider
If you do not have the above mentioned insurances, then Roamers Therapy is a private practice that is considered an out-of-network provider. This means that you will pay for sessions and seek potential reimbursement from your insurance that are available through out-of-network benefits.
Depending on your plan you may receive full, partial, or no reimbursement, so we recommend you contact your insurance about your plan, prior to booking a session. When you contact your insurance company you would ask your insurance company what are your out-of-network benefits for out-patient behavioral or mental health.
Roamers Therapy as a courtesy will be able provide you a super-bill (receipt) to assist you with getting reimbursement from your insurance.
Do you accept HSA, FSA, HRA, or EAP?
Yes, please indicate if you have special instructions when you complete insurance verification form.
What’s the difference between copay, coinsurance, and deductibles?
When you engage in services at Roamers Therapy, you are engaging in mental health, outpatient, office visits. At times, depending on your health insurance “covered services” will differentiated on the type of service.
You may be responsible for a copay, deductible, and/or co-insurance. Below is a brief explanation of what your out-of-pocket cost may according to your plan.
Copay: a flat fee you are responsible on the spot each time you visit with Roamers Therapy for a psychotherapy visit.
- not every plan has a copays to share costs with your insurance, some may have deductible/coinsurance or both copay & deductible/coinsurance.
Deductible: a amount that you pay each year for most eligible medical expenses before you plan shares the cost of services.
- for example, you may have a $3,000 deductible, where you will need to pay in full the $3,000 before your plan begins to share the cost with you.
- please remember that deductibles are re-started when your plan renews each year
Co-insurance: is a portion of your medical cost that you will have to pay after your deductible has been met in full. Coinsurance is a way of saying that you and your insurance carrier each pay a share of eligible costs that add up to 100 percent.
- for example, you may 10% co-insurance, you pay 10% of the cost of your medical bills. Then your insurance will pay for 90% of the cost of your medical bills.
- So, if you meet your deductible during your plan year, the remainder of your sessions or medical bills will be covered by coinsurance. If the covered charges for your mental health visits are $150.00 and your coinsurance is 10 %, you will need to pay $15.00. You insurance company or health plan pays the other $135.00.
- Please note that higher your coinsurance percentage, the higher your share of the cost is. You are also responsible for any charges that are not covered by the health plan such as charges that exceed the plan’s maximum reimbursable charge.
Out-of-pocket maximum: put-of-pocket maximum is the most you could pay for covered medical expenses in a year. This amount includes money you spend on deductibles, copays, and coinsurance.
- Once you reach your annual out-of-pocket maximum, your health plan will pay your covered medical and prescription costs for the rest of the year.
Read more about explanation of how out-of-pocket costs work below:
What is my patient responsibility?
You will be responsible for your co-pay, coinsurance, and any unmet deductible. At times, your insurance may deny coverage. When this occurs, you are responsible for paying any unpaid balance in full.
What if my insurance denies payments?
When reasonable attempts have been made from Roamers Therapy with your insurance company and it has not been successful, we will discuss this with you. If your plan presents with contention to pay for rendered services, we will ask for your assistance in resolving this matter by:
- Calling your insurance company directly and asking that the claim in question be paid immediately; and
- Asking your employer’s human resources staff to intervene.
If your insurance provider denies paying your claims, you will be responsible for the outstanding balance.
How do I cancel or reschedule an appointment?
If you need to cancel or re-schedule, please indicate reason why you are missing your appointment & fees due upon cancellation/reschedule via email at email@example.com
Missed Appointment Policy
Roamers Therapy LLC ensures that when time and effort has been put into scheduling and seeking mental health services, that individuals are guaranteed quality services. Roamers Therapy hold a non-refundable and missed appointment policy.
Once you have booked a session fees are 100% non-refundable, but may be re-scheduled if an unavoidable/emergency-based scheduling conflict has come up and a 48-hour notice has been provided. If you need to cancel, a missed-appointment fee will be automatically charged of up to $150 an hour. If you are unable to make it please contact Roamers Therapy via e-mail.
Missed Appointment hourly rate: $150.00 / hr
Any missed appointments will be deducted from your payment method on file. Please note that insurance does not cover missed appointment fees.
It is mutually understood that if a cancellation is due to circumstances beyond any of our control, such as power outage, unfortunate incidence, or weather that requires you or us to have to cancel or be closed during regular business hours, we will reschedule your existing appointment and no charges will apply.
Roamers Therapy missed-appointment policy gives us time to inform our new clients of any availability, as well as preventing waitlist, thus better serving everyone. Thank you for viewing and supporting our missed-appointment and rescheduling policy criteria!
How long are sessions?
All individual and couples sessions are between 32-55 minutes long, unless otherwise specified.
How often am I expected to see my psychotherapist?
We recommend you begin initially weekly, but then can go less frequent depending on your treatment plan. We always encourage you to talk to your psychotherapist about your preferences.
Can I contact my psychotherapist outside the sessions?
Our clinicians do not have direct phone or email access with clients unless sharing therapeutic exercises between sessions that were agreed upon during session.
If you have any additional communication needs please e-mail firstname.lastname@example.org
Do you provide paperwork (e.g., letters, forms, reports)?
We are happy to provide paperwork if we deem it clinically fit and appropriate. We request that we have an established relationship and the purpose of initiating psychotherapy is not solely for the purpose of documentation.
We hold correspondence fees for any paperwork completion of $150.00 per hour.
Please review fee schedule/ missed appointment policy.
Do you offer in-person sessions?
During covid outbreak we are strictly offering sessions virtually, but we are looking forward to resuming in-person sessions when the pandemic is over!