IF YOUR PROVIDER IS NOT IN-NETWORK WITH YOUR INSURANCE

At Grow, we have just begun to bill a few managed care payers for services.  As we expand, current clients will be kept up to date about the panels we accept.  

Some people may choose not to bill insurance for their mental health care, but to pay out  of pocket.  

Here’s a few reasons why:

#1

TIME MANAGEMENT

#2

QUALITY OF CARE

#3

DIAGNOSIS REQUIREMENTS

#4

PRIVACY AND CONFIDENTIALITY

Questions to Ask Your Insurance Company

If you have an insurance carrier Grow is not currently in-network with, you may be able to use your benefits via out-of-network reimbursement.  Here are some questions to help you find out if your plan includes these types of options. ALWAYS ask for a confirmation number and the name and ID number of the person who gives you this information.  Read information they give you back to them, and ask if the call is recorded for future reference.  Keep a record of the date, time, and person you spoke with along with the answers you record. 

  • Do my benefits include out of network mental health services?

  • What is my deductible? 

  • Is it required that I get preauthorization before I start counseling out of network, if I want to be reimbursed? If yes, what is the process?

  • How much of my costs can I be reimbursed for after meeting my deductible?

  • Does my counselor need to provide a specific diagnosis for me to be reimbursed?

  • Is there a calendar year limit to the number of sessions I can have?

  • Does my primary care doctor need to write an order for counseling in order for it to be covered?

  • What credentials does a provider need to have for reimbursement?  (Examples: LPC, MFT, LCSW, Licensed Psychologist, independent licensure)

  • If I submit a superbill for reimbursement, how much will be returned to me?  Do I need to provide anything else along with the superbill?

  • Is there a time limit after I have a session to submit superbills for reimbursement?

  • How do I get reimbursed for out of network mental health services? How long will reimbursement take?

  • What’s the submission process for reimbursement?  What do I need to send?

Grow Kirksville

113 East Washington Street

Suite 9 & 10

Kirksville, Missouri 63501

Office: (660) 988-9669

Fax: (660) 956-4278

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