FEES FOR SERVICE
50-55 minute appointment: $160
90 minute Relationship appointment: $230
90 minute Group Therapy appointment: $50
(Your individual therapist may offer another fee structure than the one listed above.
You will receive written documentation of this alternative fee structure if available.)
*Tandem Columbus provides reduced fee services to 20-30% of our clients on a weekly basis. Reduced fee services are generally reserved for those without insurance; those with Medicaid coverage; or, for those who do not have access to mental health benefits. There are times when reduced fee services may be negotiated with clients who would experience a great financial strain by utilizing our services. All reduced fee services will be documented in writing. We strongly encourage clients who feel comfortable requesting reduced fee services to step back by allowing someone else that opportunity, and for those who could greatly benefit but rarely ask to speak up.
BILLING & INSURANCE
To align our billing procedures with our organizational values, most of our therapists do not contract with insurance groups and are unable to bill most insurance groups on your behalf. Every therapist at Tandem Columbus should be considered an "out-of-network" provider, unless you are given different information directly by your insurance company. It is important to know that you may pay a higher cost for our services than you might by working with an in-network provider outside of Tandem.
We will gladly provide appropriate referrals to an in-network provider outside of Tandem if you decide another billing agreement will better fit your needs.
There are many reasons why we do not contract with insurance groups:
We believe everyone should have access to counseling. Unfortunately, most people do not have access to adequate mental health benefits despite paying high insurance costs. When contracting with insurance groups, we are also restricted from negotiating lower fees to help ensure we can serve folks who would not typically have access to private practitioners. To help address the inequities in the current system, we have decided to charge a flat rate to avoid privileging those who can afford more comprehensive insurance plans over others, and to help accommodate folks experiencing financial strain. By charging our full service fee, we are also able to provide sliding scale fee services to 20-30% of our caseload for folks experiencing financial hardship; folks without insurance; and, folks who cannot afford traditional counseling costs out-of-pocket.
We believe in providing the type of therapy that best fits your needs. Many insurance groups do not adequately cover relationship, family, or group therapy despite the research demonstrating support for each of these approaches to therapy. Most insurance groups also do not cover sexual health issues as a primary concern, and require a secondary mental health concern for initiating therapy.
We believe in financial transparency. In-network coverage does not ensure a lower cost for services. Many individuals and families have high deductible plans that require them to pay out-of-pocket for these services whether they have "in-network" coverage, or not. Some individuals/families spend the year working towards paying off a deductible and never experience the benefits of "in-network" coverage. We have also found that some insurance groups reimburse the member (you) for out-of-network services more than they would reimburse the provider directly, putting more money back in your pocket.
We believe in destigmatizing mental health care. Insurance groups require therapists to diagnose their client with a mental health disorder to reimburse for counseling services. While we believe diagnosis can benefit those who are experiencing a mental health disorder by ensuring resources and access to care, we also believe counseling can benefit those who do not meet the requirements of a mental health diagnosis. By providing counseling to folks who are not experiencing mental illness, we can reduce the possibility of experiencing mental illness over the life course. We believe everyone should have access to counseling, whether they are in a crisis; managing a long-term mental health condition; seeking to strengthen their relationships; or are otherwise feeling well and looking for feedback, perspective, and insight to support new goals.
We believe your highly personal information should remain private. Insurance companies have access to all of your medical records, including diagnoses, medical notes, and personal history. When contracting with insurance companies, we cannot guarantee the confidentiality of your protected health information.
We believe you should be in control of your mental health care. Insurance companies control the number, length and frequency of therapy sessions. We firmly believe you and your provider are best suited to make those decisions. Additionally, we are able to provide more flexibility in regard to scheduling, rescheduling, and cancellations by remaining "out-of-network".
We believe you deserve the best quality care. Contracting with insurance companies costs us lots of time, money, and frustration--sometimes without any benefit to you. We would rather spend our time giving you an excellent counseling experience.
The choice is yours to involve your insurance company in your mental health care, or not. We do not believe in obligating someone to use their insurance (as we are contracted to do) when they may otherwise have reason to keep their mental health care personal. The fact that we do not bill insurance directly does not mean you are lacking coverage. If your insurance company will reimburse for out-of-network services and you would like to pursue this option, we can easily provide you a superbill that will be required by your insurance group for submission.
>Applying Your Insurance Benefits<
If you would like to use your insurance to help offset the cost for these services, most people will need "out-of-network" benefits included in your insurance policy ("out-of-network" insurance benefits are not usually available through the marketplace/"Obamacare", or most HMO policies). It is important to know: Most insurance groups require a diagnosis to reimburse for counseling services. If you plan to use your out-of-network benefits to help offset the cost of these appointments, you and your provider will need to discuss the documentation of an appropriate diagnosis at the start of your work together.
To assist clients in obtaining the most accurate information on expected costs of services when applying insurance benefits, we recommend asking the following questions when contacting your insurance company’s member services (the phone number for member services can typically be found on the back of your insurance card)
1. Is psychotherapy/outpatient mental health care covered under my plan?
2. Is telehealth covered? (If applicable)
3. Do I have a deductible that I have to meet? What is my deductible?
4. What is my co-insurance or co-pay for outpatient mental health therapy sessions?
5. Is there a limit to the number of sessions I can receive on an annual basis?
Payment in-full is due at the time of your counseling appointment. Your credit/debit/HSA/FSA card on file will be charged unless you notify your therapist of another form of payment.
We will work with you to try and ensure employee benefits, or other insurance benefits can be utilized.