Our intensive trauma retreats are unique and innovative. For this reason, they are not currently covered by insurance companies. This may change in the future, as they continue to recognize the efficacy of this treatment model.

OUT OF POCKET PAYMENT 

We do not participate in any insurance panels. Our therapists are considered out of network providers, meaning if you have out of network benefits with your insurance company we are able to provide you with receipts for services. We will take care of making sure you have all the right information to send for reimbursement to your insurance provider. All correspondence with insurance companies is handled by you and only you.

And yes, many clients use their HSA or FSA to pay for our therapy services.

BENEFITS OF OUT OF POCKET PAYMENT

Being under the control of insurance companies means they decide your length of treatment and frequency of sessions. Insurance companies also require clinicians to give you a diagnosis that will go on your permanent health record. Most HMOs and PPOs require “preauthorization” before you can receive services.  This means you must call the company and justify why you are seeking therapeutic services in order for you to receive reimbursement.  The insurance representative, who may or may not be a mental health professional, will decide whether services will be allowed.  If authorization is given, you are often restricted to seeing the providers on the insurance company’s list.  Reimbursement is reduced if you choose someone who is not on the contracted list; consequently, your choice of providers is often significantly restricted. At Monroe Trauma Healing Center, you are in control of your care, including choosing your therapist, length of treatment, etc. You are even able to consult with your therapist on non-psychiatric issues that are important to you that aren’t billable by insurance, such as learning how to cope with life changes, gaining more effective communication techniques for your relationships, increasing personal insight, and developing healthy new skills.

We are also able to keep your records more secure and confidential without having to share diagnoses or records with insurance companies. We want you to be in control the information you share. To sum it up, through not participating in insurance panels, we are able to keep your therapeutic experience private AND suited to your individual needs.

GOOD FAITH ESTIMATE

You have the right to a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

•  You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

• Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

• If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

• Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 800-985-3059.