Insurance

Do you take insurance payments?

At this time none of the therapists are participating in any health insurance or managed care company plans.

What if I have out-of-network benefits?

You would still pay full fee at the time that services were provided.  We can then provide you with a “superbill” receipt, which has all the information that your insurance company will require.  You could then submit the receipt to your insurance company for whatever reimbursement they allow.

As an aside, we suggest that if you are concerned about finances, you may want to contact your insurance company first, and find out what your deductible and co-payment are for “out of network mental health services for a licensed psychologist.”  If the response is that after meeting your deductible, the insurance will pay a certain percentage of what is “reasonable and customary,” it would be helpful for you if you could find out what that term actually means with regards to money values.  Ask what the term “reasonable and customary” means as it relates to a 90791 code (initial evaluation, mental health, outpatient), and a 90834 code (an individual, outpatient, therapy session) for a NJ licensed psychologist.  In this way you will have an idea of how much your insurance company will ultimately reimburse you, and what your out of pocket expenses will be before you begin treatment.

What about Medicare?

Stress and Anxiety Services of New Jersey does not participate in Medicare. That means, if you are disabled and are on Medicare, or if you are anyone 65 years old or older, you will need to sign a “Medicare opt out” form when you come to see us for the first time.

This form states, among other things:

  • That you are aware of the fact that SAS of NJ does not accept Medicare payments
  • That you are aware of the fact that you could seek treatment for your condition elsewhere that might take Medicare payments
  • That you will not submit the receipts that you receive from SAS of NJ for reimbursement to Medicare

It is very important that you are aware as much as possible as to the details of how finances work when coming for services here at Stress and Anxiety Services of New Jersey. We do not want to present as “too businesslike” on our web site, but we also want to help address questions about finances that might be awkward or uncomfortable for you to bring up with your therapist. We hope that the above review helps in that regard.

 

New Clients