345 Highland Avenue, Cheshire, CT
Do you accept insurance?
YES, CT Kids Matter is IN NETWORK with the following insurance networks: AETNA, ANTHEM, HUSKY, MEDICAID, MEDICARE, UNITED HEALTH, and CIGNA.
I have an insurance plan not listed, can I still be seen?
Yes. If you do not have an insurance plan we are in network with- we are still able to provide you with services.
CT Kids Matter will then provide you with a superbill (an itemized medical receipt) which you can submit to your insurance company for out-of-network coverage/reimbursement directly back to you. However, please note that you will be responsible for payment at the time of service.
You would pay Cash/Credit at the time of service and submit to your insurance company to request reimbursement.
What are your weekly session rates?
Initial Consultation – Individual (45-60 min.) $200.00
Individual Therapy (50-60 min.) $160.00
Brief Individual Therapy (45 min.) $120.00
Brief Individual Therapy (30 min.) $100.00
Couples Therapy (45-55 min.) $160.00
How do I know how much my insurance will cover?
Because health insurance plans and benefits vary, we recommend you give your health insurance customer service number a call and inquire about your mental health benefits to understand any co-pay or deductible or percentage you may be responsible for if you work with us.
If you are out of network, you may wish to contact your insurance company ahead:
If you plan on using your out of network reimbursement benefits, we recommend that you contact your health insurance provider and ask the following questions:
How can I pay for services?
We offer a number of payment options that include cash, check, Health Savings Accounts, debit, and major credit cards.
How long will I be in therapy?
The duration of therapy depends on you – how long you work with a therapist – looks different for everyone. For some, a few weeks to a few months following an acute stressor (such as a crisis, breakup, or big life change) is adequate. For others looking to challenge and change deeply rooted patterns and belief systems, address and process traumatic events - the process may take longer. Some individuals find benefit in only a few sessions, while others benefit from weekly therapy across much longer periods of time. You can trust that you and your therapist will keep checking in throughout your work together to determine if it feels appropriate and timely to end therapy, or reduce from weekly sessions to biweekly or monthly sessions.
AETNA, ANTHEM, HUSKY, MEDICAID, MEDICARE, CIGNA, & UNITED HEALTH
Under a new federal rule to protect consumers from surprise health care bills, all health care providers must, effective January 1, 2022, provide a good faith estimate (GFE) of expected charges that may be billed for items and services to individuals who are uninsured (e.g., not enrolled in any health plan or coverage) or who are self-pay (e.g., not seeking to file a claim with their plan or coverage). The rule applies to both current and future patients who are uninsured or self-pay.
YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS
When you get emergency care or get treated by an out-of-network provider at an in-network hospital or ambulatory surgical center, you are protected from surprise billing or balance billing.
What is “balance billing” (sometimes called “surprise billing”)?
When you see a doctor or other health care provider, you may owe certain out-of-pocket costs, such as a copayment, coinsurance, and/or a deductible. You may have other costs or have to pay the entire bill if you see a provider or visit a health care facility that isn’t in your health plan’s network.
“Out-of-network” describes providers and facilities that haven’t signed a contract with your health plan. Out-of-network providers may be permitted to bill you for the difference between what your plan agreed to pay and the full amount charged for a service. This is called “balance billing.” This amount is likely more than in-network costs for the same service and might not count toward your annual out-of-pocket limit.
“Surprise billing” is an unexpected balance bill. This can happen when you can’t control who is involved in your care – like when you have an emergency or when you schedule a visit at an in-network facility but are unexpectedly treated by an out-of-network provider.
You are protected from balance billing for:
Emergency services
If you have an emergency medical condition and get emergency services from an out-of-network provider or facility, the most the provider or facility may bill you is your plan’s in-network cost-sharing amount (such as copayments and coinsurance). You can’t be balance billed for these emergency services. This includes services you may get after you’re in stable condition unless you give written consent and give up your protections not to be balanced billed for these post-stabilization services.
Certain services at an in-network hospital or ambulatory surgical center
When you get services from an in-network hospital or ambulatory surgical center, certain providers there may be out-of-network. In these cases, the most those providers may bill you is your plan’s in-network cost-sharing amount. This applies to emergency medicine, anesthesia, pathology, radiology, laboratory, neonatology, assistant surgeon, hospitalist, or intensivist services. These providers can’t balance bill you and may not ask you to give up your protections not to be balance billed. If you get other services at these in-network facilities, out-of-network providers can’t balance bill you unless you give written consent and give up your protections. You’re never required to give up your protection from balance billing. You also aren’t required to get care out-of-network. You can choose a provider or facility in your plan’s network.
When balance billing isn’t allowed, you also have the following protections:
If you believe you’ve been wrongly billed, you may contact:
You have the right to receive a “Good Faith Estimate” explaining how much your medical and mental health care will cost.
Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency healthcare services, including psychotherapy services. You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.
If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure to save a copy or picture of your Good Faith Estimate.
For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises.