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, or HRA?
- Do you accept Employee Assistance Program (EAP) benefits?
- 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?
- What are my privacy rights?
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 or submit our Self-Pay / Out-of-network Inquiry Form. If your preferred clinician does not have immediate availability, you can send an email to [email protected] 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
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What are your rates?
Initial 15-minute Phone Consultation (self-pay): $45.00
Individual Therapy (self-pay): $150.00/appointment
In-network Individual Therapy and Couples Therapy: Determined based on plan benefits and claims processing.
Couples Therapy (self-pay): $150.00/appointment
Correspondence Fees: $150/hour
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Can I use my insurance benefits?
Yes, Roamers Therapy LLC is preferred provider for Aetna, Blue Cross Blue Choice PPO, CareFirst PPO, Cigna, and United Healthcare.
We are happy to help you understand your in-network and out-of-network benefits for a particular plan.
All Roamers Therapy clinicians are currently in-network with:
Aetna
Blue Cross Blue Shield PPO
Blue Choice
CareFirst PPO & POS
Cigna / Evernorth
Some of our clinicians are also in-network with:
United Healthcare
Out of network clients
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.
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Do you accept HSA, FSA, or HRA?
Yes, please indicate if you have special instructions when you complete insurance verification form.
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Do you accept Employee Assistance Program (EAP) Benefits?
We currently do not accept any Employee Assistance Programs (EAP) benefits.
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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 copay to share costs with your insurance, some may have deductible/coinsurance or both copay & deductible/coinsurance.
Deductible: an amount that you pay each year for most eligible medical expenses before your 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 have a 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. Your 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: out-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:
https://www.cigna.com/individuals-families/understanding-insurance/copays-deductibles-coinsurance
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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.
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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.
Please note that Roamers Therapy LLC reserves the right to cancel any upcoming appointment, unless you pay your outstanding balance in full.
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How do I cancel or reschedule an appointment?
If you need to cancel or re-schedule an appointment, please reach out to [email protected]. Please do not call our phone number as we do not have a live caller at our office and we cannot guarantee immediate response. You can read our Fee Schedule and Policies by clicking the link
Roamers Therapy holds a strict cancellation policy to ensure the quality of our clinical services. We enforce a $150.00 missed appointment fee for any no-shows or cancelled appointments unless you provide a 7+ days notice. Please note that we are also unable to make any case-by-case exceptions to this policy.
You may be able to avoid missed appointment fees if you are able to reschedule your appointment to another time within the same week granted your psychotherapist has availability. However, although Roamers Therapy is committed to accommodating rescheduling requests to our best ability, we cannot guarantee accommodation. If your psychotherapist does not have any preferable openings, you will still be liable for the missed appointment fee.
A credit card method of payment is required on file at all times. Missed appointment fees will be automatically charged to your payment method on file.
If you need to miss a session, please email our main office at [email protected]. We will not be able to process any cancellation requests that are made through other communication channels (e.g., Spruce, SimplePractice).
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How long are sessions?
All individual and couples sessions are between 32-55 minutes long, unless otherwise specified.
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How often am I expected to see my psychotherapist?
At Roamers Therapy our clinical model and interventions are based on minimum weekly session attendance. We always encourage you to talk to your psychotherapist about your preferences and goals to reach the best outcomes during your weekly session frequency.
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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 [email protected].
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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 our ADA & FMLA Accommodation Support Policy document below:
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Do you offer in-person sessions?
Yes. We are offering in-person sessions. Please keep in mind that you may be asked to wear a mask in the waiting area of our office suite if there are any local or federal orders in effect.
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What are my privacy rights?
You can download the PDF document below to learn about our privacy practices: