Morgan Mental Health Care

In & Out of Network Insurance Policy

We require payment at the time of service.

We require payment at the time of service.
We do accept many insurances, however, we advise you to contact your insurance carrier to verify we are on your plan prior to your visit and to verify your benefit.

After your insurance company has processed your claim and remitted payment, any remaining account balance is your responsibility and will be billed to you accordingly.

If you do not see your company or network on the list, please contact us to see if we participate with your insurance company. Many insurance plans use the networks listed above to process their claims.

Out-of-Network Providers (OON)

Don’t see your insurance? Please contact us, we may be able to help get you reimbursed by your insurance provider for sessions provided in our office.

If Morgan Health Centers is not in the network for your health plan then you may need to file the claim to request repayment for the services from your insurance. A Superbill is the most commonly used option for out-of-network providers. Superbill is a statement we provide our Out-of-Network patients so that they can get reimbursed directly from their insurance company.

If you are hoping to use out-of-network benefits with your insurance company, feel free to use the questions below as a guide when you call to better understand the benefits available to you. Please note that if you do choose to submit OON benefits, the “No diagnosis or stigma required” and “Privacy” self-pay benefits listed below do not apply. Most insurance plans require a diagnosis in order to cover sessions and your therapy files and notes will be accessible and open to audits by your insurance carrier.

Questions for Your Insurance Provider when Using Out-of-Network (OON) Benefits

Do I have mental health benefits?
What is my deductible and has it been met?
How many mental health sessions per calendar year does my insurance plan cover?
(These sessions would be considered outpatient or office sessions.)
How much does my plan cover for an out-of-network (OON) mental health provider?
What is the deductible for OON benefits?
How do I obtain reimbursement for therapy with an out-of-network provider?
What CPT codes are covered for therapy sessions?
What is the coverage amount per therapy session?
Is approval required from my primary care physician?

Patient Information

Billing – Morgan Health Centers, participates in several health insurance plans and will bill accepted insurance carriers. Statements are sent on a monthly basis and all balances are due within thirty (30) days of the initial statement date unless prior arrangements have been made. The patient will be responsible for any fees that the insurance carrier or any payer (which includes but not limited to self pay, spouse, parent, guardian etc.) does not cover.
» more about Billing

Payments – Payments and/or Co-payments are due at the time of the service unless other arrangements are made. I understand that I will be charged a $10 service charge if I fail to make my payment and/or co-payment at the time of my appointment.
» more about Payments

Collections – Balances over 30 days old will be assessed a late fee. Late fees and late cancellation fees cannot be billed to insurance claims.
» more about Collections

Insurance – If we accept your insurance, we will file claims on your behalf. All co-payments are due at the time of service unless other arrangements are made. You will receive a statement for deductibles, co-insurance and non-covered services. If you do not have insurance, you will receive a statement for all services rendered. If you have any questions, please call our office.
» more about In & Out-of-Network Insurance

Copay, Deductibles, and Coinsurance – Fees need to be paid at the time of the service unless an alternative payment schedule has been negotiated.
» more about Copay, Deductibles & Coinsurance

Self-Pay – We offer affordable rates for patients without insurance or who wish to not use their insurance. For self-pay accounts, payment must be made at the time of service.
» more about Self-Pay

Sliding Scale – We offer a patient sliding fee scale to people who otherwise cannot afford mental health services. Patients must meet financial and other specific criteria to be eligible.
» more about Sliding Scale