Using Your Insurance Benefits to Pay For Therapy
Using Your Insurance Benefits to Pay For Therapy
Embedded Files
This practice accepts insurance by using a third party company, Alma. Laura Forcella Spiering is in-network (through Alma) with the following plans (in Colorado, Nebraska, Wyoming, and Florida only):
In-Network Plans
In-Network Plans
UnitedHealthcare
AllSavers (UHC)
Health Plans Inc
Oscar
Oxford Health Plan
Surest (formerly Bind)
UMR
United Healthcare Shared Services (UHSS)
GEHA-United Healthcare Shared Services (UHSS)
UnitedHealthcare Global
UHC Student Resources
UnitedHealthCare Exchange Plans (ONEX)
I am NOT in-Network with the following Optum plans (if you have one of these plans you can research your out of network benefits):
Select Health, Health Plans of Nevada, Cenpatico, Sierra Health and Life Health Plans, Arizona Complete Health, Optum Medicare and Medicaid plans
In-Network Plans
In-Network Plans
Aetna
Meritain
Nippon
Allied Benefit Systems
Health Scope
Christian Brothers Services
Trustmark
Trustmark Small Business Benefits
I am NOT in-Network with the following Aetna plans (if you have one of these plans you can research your out of network benefits):
Aetna CVS, GEHA - Aetna, Boon Chapman, AmeriBen, First Health, Piedmont/S&S Healthcare, Health Smart, Emi Health, WebTPA, Aetna Medicare and Medicaid plans
I can help you obtain an estimate of your in-network benefits with the above plans.
I can help you obtain an estimate of your in-network benefits with the above plans.
If your insurance is NOT listed above, here is information on how to research and use your out-of-network benefits:
If your insurance is NOT listed above, here is information on how to research and use your out-of-network benefits:
You may submit "superbills" directly to your insurance company:
Many private health insurance plans provide some level of out-of-network reimbursement. You will need to reach out directly to your insurance company to inquire if you have out-of-network benefits. I can provide you with "superbills" for the sessions you attend, although you must notify me prior to the session of this request. You will send your therapy superbill to your insurance company to receive reimbursement back. Payment is expected at the time of service.
Questions to ask your insurance company:
Questions to ask your insurance company:
What are my out-of-network benefits and how do they work?
Do I need a referral from my primary care physician, and/or need prior authorization from my insurance company?
Are there limits on the amount or frequency of sessions?
What is my deductible and/or share of cost if I see an out-of-network provider?
If I have a deductible, how much of my deductible has been met to date?
Do I have teletherapy benefits? Are there restrictions?
Do my benefits cover individual therapy for treatment codes 90791 (initial evaluation), 90834 (individual therapy, 45-minutes), and 90837 (individual therapy, 60-minutes)?
Your health plan determines whether your sessions are covered and whether there is a co-pay, co-insurance, or deductible you must pay. Often, health plans limit the number of sessions you may have and how often you may have them. It is important to contact your insurance company to verify your benefits prior to beginning treatment. Any benefits quoted by Laura, Alma, or your insurance company are considered estimates and are not a guarantee of coverage. If your insurance company denies claims, you will be responsible for the full amount of treatment.
Quick LinksHomeAboutInsuranceContactBook a free intro call988 Lifeline Chat For Existing ClientsClient portalAppointment requests/changes
Report abuse