FAQs

Insurance Questions

Do you accept my insurance?

At MMHC, we want to focus exclusively on client care and minimize any administrative burdens that can detract from the quality services we provide.

We provide monthly superbills and our clients usually have out of network benefits, which means the fee is paid out of pocket and the insurance plan reimburses you (our client) directly. Usually insurance can reimburse 50-80% of the cost of sessions.

What is out of network coverage? How do I know if I have this benefit with my plan?

Out of network coverage is a part of your insurance plan where your plan has an agreed percentage of the fee to reimburse you (our client) for providers that are not contracted within their network.

To find out more about your out of network benefits, you can check them at this link: https://calculator.meetnirvana.com/

Also, please contact your member services number with insurance with the following information:
Do I have out of network mental health insurance benefits?

  • What is my deductible and has it been met?

  • How many sessions per year does my health insurance cover?

  • What is the coverage amount per therapy session?

  • Is approval required from my primary care physician?

General Questions

How long are therapy sessions?

We offer 45-minute individual sessions (CPT code 90834) and 60-minute couples and family therapy sessions (CPT code 90847). We recommend clients attend sessions a minimum of once a week but clients are also able to do every other week sessions as well.

How much does therapy cost? What forms of payment can be used?

  • $100-250 per 45-minute individual session depending on if it is a limited permit or fully licensed associate.

  • $150-$300 per 60-minute couples or family session depending on if it is a limited permit or fully licensed associate.

Sliding scale fees are available on a limited basis. Accepted forms of payment are credit/debit cards and HSA/FSA cards.

What is your cancellation policy?

There is a 48-hour/2 day cancellation policy, in order to cancel or reschedule appointments. Canceling without proper notice will incur a full fee of the session.

Disclaimer

This Good Faith Estimate shows the costs of services that are reasonably expected for the expected services to address your mental health care needs. The estimate is based on the information known to [us/me] when [we/I] did the estimate.

The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.  

If you are billed for $400 more (per provider) than this Good Faith Estimate (GFE), you have the right to dispute the bill

You may contact the [psychologist/psychology practice] at the contact listed above to let them know the billed charges are at least $400 higher than the GFE. You can ask them to update the bill to match the GFE, 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 this GFE. 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 and get a form to start the process, go to:

www.cms.gov/nosurprises or call CMS at 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 CMS at 1-800-985-3059 .

This GFE is not a contract.  It does not obligate you to accept the services listed above.

 Keep a copy of this Good Faith Estimate (GFE) in a safe place or take pictures of it. You may need it if you are billed more than $400 than the estimate provided above.