Insurance Info

One of the first things people ask when they call to make an appointment is “Do you take my insurance?”  So…a quick note on the differences between accepting or ‘taking’ insurance, being in-network and being out of network.

If a provider (doctor, therapist, dentist etc) is in-network it means they have signed a contract with the insurance company, agreeing to a number of things determined by the insurance company. This may include what information is shared, compensation for services, how long or how many sessions you can have, what is and is not allowed  in the course of treatment (regardless of what the provider determines is necessary,) etc. It’s important to know that often the rules made by insurance companies are not made by individuals with medical or clinical expertise and/or real world experience. 

A provider that is out-of-network does not have a contract with the insurance company. They can still see clients or patients with that Insurance, but are not limited to the rules set by insurance. Out of network providers have more flexibility in treatment decisions, how your information is shared etc.

Generally both in-network and out-of-network providers can ‘take’ or accept most insurance plans. So what’s the difference for the client or patient? The difference is in the benefits. Most plans have two sets of benefits – one for participating, or in-network providers and one for non-participating, or out-of-network providers. Plans vary, so it’s impossible to give specific information on what those differences might be without speaking to you. 

If you have more than one plan….

If you have multiple plans, one is considered primary, and one is secondary. The secondary plan will often cover fees that the primary didn’t cover, such as co-pays and/or coinsurance. It is extremely important that you make sure to tell your provider if you have more than one plan. To avoid the insurance company taking back money paid out for services and being held responsible for paying those fees, all claims MUST go through your primary plan first before being submitted to the secondary.

No guarantees….

Unfortunately we have to relay to you what all insurance companies tell us- that any quoted benefits are not a guarantee of payment. When we check on benefits for you they may tell us one thing and then do something else. Ultimately if insurance does not pay for services rendered, you are responsible. The good news is that in our experience, it is something that happens very infrequently. 

Where do we at Inner Connections stand?
~Marc Nee participates in-network with State of CT insurance (Medicaid/Husky A,B,C & D.) Carla S. Ricci no longer participates with Husky.

~We are not in the Medicare network.

~For all other commercial insurances we provide invoices that you can submit to your insurance for any reimbursement you are entitled to.

What do I need to ask about my plan?
We are happy to inquire about your plan benefits for you, but if you choose to find out for yourself, please check your coverage carefully. The following questions can help you get the information you need:  
* Do I have outpatient behavioral health benefits?
* What is my deductible and has it been met?
* How many sessions per year does my health insurance cover?
* What is covered by my plan and what am I responsible for?

*If you are unsure and need assistance understanding your insurance benefits, we can help you find out what benefits you are entitled to. 

Payment
Cash, Venmo and credit cards are accepted for payment.