Why We Offer Self-Pay
We want to ensure that all individuals have access to quality physical therapy care. One of the most popular forms of payment in mental health practices is 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.
When a patient accepts service from Morgan Mental Health Centers and does not present an insurance policy to bill, the patient’s account is considered Self-Pay.
Benefits of Self-Pay
When an individual pays for therapy through self-pay as opposed to utilizing insurance both confidentiality and treatment remain between you and and your therapist. Treatment decisions, length of therapy sessions, confidentiality and many other important decisions are always kept between you and your therapist.
However, when utilizing health insurance to pay for therapy you may be relinquishing confidentiality, treatment decisions, length of therapy and other pertinent decisions to your insurance company.
No diagnosis or stigma required
All insurance companies require a diagnosis in order for your counseling services to be covered. Many people who seek counseling do not have a diagnosable clinical disorder, they are simply looking for support and guidance for a life problem or may have very mild symptoms that do not meet the criteria for a diagnosis. While clinical diagnosis is important when appropriate, self-pay allows you to seek services whether or not you meet diagnosis criteria, without feeling labeled.
Research shows that clients who pay something for their treatment have more positive outcomes than those who do not. Clients are more motivated to engage in their treatment and make the most of their counseling services when they make an investment. In this way, you may even get better faster and reduce your costs overall. As we all know, you get what you pay for!
While all insurance companies must follow HIPAA guidelines, submitting to insurance still means that there are more eyes on your healthcare information. Health insurance companies require counseling notes to “justify” service. Self-pay ensures complete confidentiality since only the counselor and the client are privy to any counseling-related information and no third-party is involved.
We are able to offer counseling in a way that works best for both the client and myself. This allows for the highest quality of service, as we are able to be fully devoted to your counseling needs. Also, many insurance companies limit the number of sessions, length and frequency of sessions, whether or not you are able to do online sessions, etc. Self-pay allows complete freedom for the provider and patient to determine what is best and most effective for treatment.
We offer a discount (based on the service) if a patient chooses to self pay, in full, at the time of service.
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
- Patient Information
- Patient Frequent Questions & Answers
- Patient Policies
- Patient Privacy Notice
- Patient Rights