FAQs

Our rates depend on the type of service provided. Insurance may cover some or all of your session. You can call your insurance company to learn more, or contact us to discuss payment plans.
Rates are the same for in person and virtual:
Initial assessment $240
Typical follow-up session 52- 55 minutes $200

Services may be rendered as private pay/self-pay or out-of-network (superbill statement can be provided for submission with your out of network insurance company)

There’s limited number of sliding scale spots. Please provide verification of income.

Yes, we are in-network for most major insurance carriers. These include:

• Aetna
• AmeriHealth
• Anthem 
• BlueCross and BlueShield
• Carolina Behavioral Health Alliance
• Carolina Complete
• Healthy Blue
• Magellan
• MedCost
• Spring Health
• Some Medicaid
• Optum/UnitedHealthCare
• Partners
• EAP
• Out of Network

If you do not see your insurance company listed, you can call your carrier and ask if they will cover our services

North and South Carolina and Virginia insurance companies pay for the teletherapy for its residents.

Your insurance coverage is a contract between you and your insurance company, so it is your responsibility to know your insurance benefits by calling your insurance company and asking. You will need to give us all relevant information relating to your insurance so we can ensure your insurance payments go through.

All copays and balances not covered by your insurance company will be your responsibility.
We are happy to work with you to understand what your copay or balance might be after your insurance has been billed.

We will verify your benefits before your first visit. We will submit your claims and assist you in any way we reasonably can to help get the claim processed.
We are happy to discuss any billing, payment, or insurance issues and will do our best to work with you to find solutions or answers to your questions.

You have following option to pay for your portion of the services:
1. Pay by credit card, Health Savings Plan, and Flexible Spending Account after accessing your patient portal.
2. By credit card provided when you complete new patient forms. We will charge you card on record when your insurance processed your claim.
3. Check or money order to therapist

Deductible: The amount you pay for the covered health care services before your insurance plan starts to pay.
Copays: Copayment (copays) and coinsurance are two types of cost sharing measures built into your healthcare coverage plan. Your copays are fixed fee that partially pay for medical services. Your coinsurance is the percentage of the treatment cost that you are expected to cover.

• Maximum out of pocket: The most you must pay for covered services in insurance plan year. After you spend this amount on deductibles, copayments, and coinsurance for in network care services, your health plan pays 100% of the costs of covered benefits.
• Why do we charge you different amounts at different times Your billed amount depends on how much your insurance company pays for each visit.
• We send your claim to the insurance company, and then they respond with an EOB (explanation of benefits). We will then bill you for the amount not paid by the insurance company. You can also obtain your EOBs from your carrier. 
• If you have a deductible the insurance company will calculate the payment amount, apply it to your deductible and you are responsible to pay this amount to us.
• If you meet deductible or don’t have deductible, you may have a copay or coinsurance and the amount depends on your policy. You are responsible to pay this amount to us.
• If you have no deductible and no copay/coinsurance the cost of your session is paid in full by the insurance company.
•  In the case that you have a copay/coinsurance and you meet your deductible and out of pocket amount, the insurance company will pay in full for your session Sometimes insurance companies deny claims then revise their decision and make a payment to us. In this case we reimburse you by crediting your account for the amount paid.

If you have any questions about billing not answered here, or if you are a current client and have questions about your statement, amounts you were billed for, need a receipt or statement, or need to discuss a payment plan please contact our office at 704-944-3557 or by email admin@healthyinsighttherapy.com

THIS NOTICE DESCRIBES HOW HEALTH INFORMATION MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

I. Our pledge regarding health information: As a therapist, we understand that health information about you and your health care is personal. We are committed to protecting health information about you. We create a record of the care and services you receive from me. We need this record to provide you with quality care and to comply with certain legal requirements. Information about your treatment and care, including payment for care, is protected by two federal laws: The Health Insurance Portability and Accountability Act of 1996 (“HIPAA”)* and the Confidentiality Law**. Under these laws the program may not say to a person outside of the program that you attend the program, nor may the program disclose any information identifying you as an alcohol or drug abuser, or disclose any other protected information except as permitted by the federal laws referenced.

II. How we may use and disclose health information about you: The following categories describe different ways that I use and disclose health information. For each category of uses or disclosures we will explain what we mean and try to give some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories.

For Treatment Payment, or Health Care Operations: Federal privacy rules (regulations) allow health care providers who have direct treatment relationship with the patient/client to use or disclose the patient/client’s personal health information without the patient’s written authorization, to carry out the health care provider’s own treatment, payment or health care operations. We may also disclose your protected health information for the treatment activities of any health care provider. This too can be done without your written authorization. For example, if a clinician were to consult with another licensed health care provider about your condition, we would be permitted to use and disclose your personal health information, which is otherwise confidential, in order to assist the clinician in diagnosis and treatment of your mental health condition.

Disclosures for treatment purposes are not limited to the minimum necessary standard. Because therapists and other health care providers need access to the full record and/or full and complete information in order to provide quality care. The word “treatment” includes, among other things, the coordination and management of health care providers with a third party, consultations between health care providers and referrals of a patient for health care from one health care provider to another.

Lawsuits and Disputes: If you are involved in a lawsuit, we may disclose health information in response to a court or administrative order. We may also disclose health information about your child in response to a subpoena, discovery request, or other lawful process by someone else involved in the dispute, but only if efforts have been made to tell you about the request or to obtain an order protecting the information requested.

III. Certain uses and disclosures require your authorization:

1. Psychotherapy Notes: we do keep “psychotherapy notes” as that term is defined in 45 CFR § 164.501, and any use or disclosure of such notes requires your Authorization unless the use or disclosure is:

a. For my use in treating you.

b. For my use in training or supervising mental health practitioners to help them improve their skills in group, joint, family, or individual counseling or therapy.

c. For my use in defending myself in legal proceedings instituted by you. d. For use by the Secretary of Health and Human Services to investigate my compliance with HIPAA.

e. Required by law and the use or disclosure is limited to the requirements of such law. f. Required by law for certain health oversight activities pertaining to the originator of the therapy notes. g. Required by a coroner who is performing duties authorized by law.

h. Required to help avert a serious threat to the health and safety of others.

2. Marketing Purposes: As a therapist, we will not use or disclose your PHI for marketing purposes.

3. Sale of PHI: As a therapist, we will not sell your PHI in the regular course of my business.

IV. Certain uses and disclosures do not require your authorization: Subject to certain limitations in the law, we can use and disclose your PHI without your Authorization for the following reasons:

1. When disclosure is required by state or federal law, the use or disclosure complies with and is limited to the relevant requirements of such law.

2. For public health activities, including reporting suspected child, elder, or dependent adult abuse, or preventing or reducing a serious threat to anyone’s health or safety.

3. For health oversight activities, including audits and investigations.

4. For judicial and administrative proceedings, including responding to a court or administrative order, although my preference is to obtain an Authorization from you before doing so.

5. For law enforcement purposes, including reporting crimes occurring on my premises. 6. To coroners or medical examiners, when such individuals are performing duties authorized by law.

7. For research purposes, including studying and comparing the mental health of patients who received one form of therapy versus those who received another form of therapy for the same condition.

8. Specialized government functions, including, ensuring the proper execution of military missions; protecting the President of the United States; conducting intelligence or counterintelligence operations; or, helping to ensure the safety of those working within or housed in correctional institutions.

9. For workers’ compensation purposes. Although my preference is to obtain an Authorization from you, we may provide your PHI in order to comply with workers’ compensation laws.

10. Appointment reminders and health related benefits or services. We may use and disclose your PHI to contact you to remind you that you have an appointment with me. We may also use and disclose your PHI to tell you about treatment alternatives, or other health care services or benefits that we offer.

V. Certain uses and disclosures require you to have the opportunity to object:

1. Disclosures to family, friends, or others. We may provide your PHI to a family member, friend, or other person that you indicate is involved in your care or the payment for your health care, unless you object in whole or in part. The opportunity to consent may be obtained retroactively in emergency situations.

Verbal Permission: We may use or disclose your information to family members that are directly involved in your treatment with your verbal permission.

With Authorization**:** Uses and disclosures not specifically permitted by applicable law will be made only with your written authorization, which may be revoked.

VI. You have the following rights with respect to your PHI:

1. The Right to Request Limits on Uses and Disclosures of Your PHI: You have the right to ask me not to use or disclose certain PHI for treatment, payment, or health care operations purposes. We are not required to agree to your request, and we may say “no” if we believe it would affect your health care.

2. The Right to Request Restrictions for Out-of-Pocket Expenses Paid for In Full: You have the right to request restrictions on disclosures of your PHI to health plans for payment or health care operations purposes if the PHI pertains solely to a health care item or a health care service that you have paid for out-of-pocket in full.

3. The Right to Choose How We Send PHI to You: You have the right to ask me to contact you in a specific way (for example, home or office phone) or to send mail to a different address, and we will agree to all reasonable requests.

4. The Right to See and Get Copies of Your PHI: Other than “psychotherapy notes,” you have the right to get an electronic or paper copy of your medical record and other information that we have about you. We will provide you with a copy of your record, or a summary of it, if you agree to receive a summary, within 30 days of receiving your written request, and we may charge a reasonable, cost based fee for doing so.

5. The Right to Get a List of the Disclosures We Have Made: You have the right to request a list of instances in which we have disclosed your PHI for purposes other than treatment, payment, or health care operations, or for which you provided me with an Authorization. We will respond to your request for an accounting of disclosures within 60 days of receiving your request. The list we will give you will include disclosures made in the last six years unless you request a shorter time. We will provide the list to you at no charge, but if you make more than one request in the same year, we will charge you a reasonable cost based fee for each additional request.

6. The Right to Correct or Update Your PHI: If you believe that there is a mistake in your PHI, or that a piece of important information is missing from your PHI, you have the right to request that we correct the existing information or add the missing information. We may say “no” to your request, but we will tell you why in writing within 60 days of receiving your request.

7. The Right to Get a Paper or Electronic Copy of this Notice: You have the right to get a paper copy of this Notice, and you have the right to get a copy of this notice by email. And, even if you have agreed to receive this Notice via email, you also have the right to request a paper copy of it.

Filing a complaint or grievance:

If you believe your privacy rights have been violated or you are dissatisfied with my privacy policies, procedures or practice, you can file a complaint or grievance to the following:

Healthy Insight Therapy, PLLC at 704-944-3557 10130 Mallard Creek Rd Charlotte, NC 28262

US DHHS  1-877-696-6775

You will not be retaliated against for filing such a complaint.