Insurance Information
In-Network Insurance Providers
Gratia Counseling & Consulting, LLC is an in-network provider for:
• Aetna
• BCBS (including PMAP plans)
• BIND
• Medica
• Medicaid/Medical Assistance (MA)
• Optum
• Preferred One
• UCare (including PMAP plans)
• United Behavioral Health (UBH)
• United Healthcare (UHC)
• United Medical Resources (UMR)
We are actively pursuing contracts with additional insurance providers
and will update our list regularly.
If we are not in-network with your insurance provider and you would like to use out-of-network benefits, you will pay the session fee at the time of your appointment, then a Superbill will be generated and given to you to send to your insurance company for direct reimbursement.
If you have a flex spending or HSA account that is tied to a debit card, we will likely be able to run that card at the time of service for direct payment. Please contact your insurance company for verification.
Navigating Reimbursement
These are some questions to ask your insurance provider that may help you navigate reimbursement:
• How much of my deductible has been met this year?
• What is my out-of-network deductible for outpatient mental health?
• What is my out-of-network coinsurance for outpatient mental health?
• If I am paying [insert dollar amount] per therapy session, how much will I be reimbursed?
• Do I need a referral from an in-network provider to see someone out of network?
• How do I submit claims forms for reimbursement?
• When can I anticipate my reimbursement to be issued?
Benefits of Private Pay
Private pay options can be more simple, efficient, and personalized way to receive mental health services.
Some of the benefits may be:
• You do not need to receive a mental health diagnosis in order to receive therapy
• Your information is confidential between you and your therapist, within the limits of the law
• You and your therapist can create your treatment plan without limitations
imposed by insurance companies
• You are able to access family and couples therapy, as well as extended ART sessions. These services are often not covered by many insurance plans
• Flex spending and HSA benefits may be used to pay for your therapy sessions
Sliding fee scale
Sliding fee options would be considered for those able to demonstrate a financial need, including those who are uninsured or underinsured. Examples of this would include high deductible insurance plans, insurance plans without mental health coverage, and other hardship situations.
Good Faith Estimates
Under the law as of January 1, 2022, healthcare providers are required to provide those who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a “Good Faith Estimate” explaining how much mental healthcare will cost. You may ask your healthcare provider for a Good Faith Estimate before you schedule your service.
For questions or more information about your right to Good Faith Estimate, visit www.cms.gov/nosurprises or call (800) 985.3059.