Frequently Asked Questions

Does insurance cover the full cost of my services? 

The fees for our mental health services vary depending on the type of service you are engaged in. Dependent on your insurance and plan, you may be responsible for any copays, deductibles, and, coinsurance associated with your insurance plan. 

It's important to understand your health insurance benefits and what your plan will cover. To find out what your financial responsibilities will be, please contact your health insurance plan’s customer service/member services line, which can be found on the back of your insurance card or by contacting your human resources department. 
 

What does in-network vs out of network mean? 

In-network means that the provider has accepted a contractual agreement with the insurance company to follow their guidelines and accept the negotiated rates offered. Patients are encouraged to seek care from in-network providers to maximize their benefits and reduce out-of-pocket costs. 

Out-of-network means the provider does not have a contractual agreement with the insurance company and is not required to accept that plan. There are no negotiated rates, and the patient will have a higher deductible and out-of-pocket cost including but not limited to possibly denied benefits. In these instances, the patient can opt for self-pay to help with the cost of their services. 
 

What is a copay? 

A copay is a fixed amount a patient pays each visit to share the cost of a covered service with the insurance company. Copay amounts can vary based on the type of service you're receiving. You will find that copays are higher for certain services such as specialist visits and ancillary services (MRI, Therapy, etc.). Copays can range anywhere from $10 up to $100 a visit. Copays are typically displayed on the front of your health insurance card but may not always be available, so it is always good to contact your insurance company so you're familiar with your benefits and cost expectations. 

What is a deductible? 

It is important to know if mental health services are “subject to deductible”. A deductible is a fixed amount the patient must pay each year before a patient’s insurance company begins to cover the cost of a covered service. This means if you have a $2,000 yearly deductible, you will need to pay $2,000 first before your insurance company will begin paying for your covered services. For many health insurance plans, the deductible resets at the beginning of the calendar year, usually on January 1st. 

What is coinsurance? 

Coinsurance is a fixed percentage the patient is expected to pay once their deductible has been met. Patients’ percentage of coverage may vary depending on the type of plan you select. Typically, a plan will cover 80/20. That means the insurance company will pay 80% of the claim, holding the patient responsible for the remaining 20%. For those plans that do apply coinsurance (out-of-pocket expenses), the patient must satisfy that amount before the insurance company will cover eligible services at 100%. The out-of-pocket maximum usually resets every calendar year. 

What fees am I responsible for? 

You are financially responsible for the cost of the mental health services provided to you or your dependent(s) including but not limited to deductibles, copayments, coinsurance, non-covered services, late cancellations, and missed appointments. 

What are your self-pay rates? 

Our rate for medication management (psychiatry) is $280 for new patient appointments and $180 for follow-up appointments. Therapy new patient appointments are $180 with follow-up appointments being $160. 

What are your self-pay rates? 

Our rate for medication management (psychiatry) is $320 for new patient appointments and $240 for follow-up appointments. Therapy new patient appointments are $180 with follow-up appointments being $160. 

How do I pay my bill? 

The easiest way to make a payment is online through our Patient Portal or by contacting our billing team at billing@reliefpsychiatryofarizona.com 

To pay through our Patient Portal: 

Log in to your portal account 

Click on the “Bills” Icon at the top  

Select the payment option you would like to make 

Click “Make Payment 

Fill out the Card Information and Customer Information sections 

Select “Make Payment” 

How often will I be billed? 

Any copays must be paid before the start of your session. 

Please note that the timing of your bills appearing in your account will depend on when your claim(s) are processed by your insurance company. The amount of time may vary, but it typically takes around 30 calendar days from the date of the service provided for your insurance to process the claim. Please keep in mind that because of the delay between your session and when insurance companies process claims your account may not reflect all charges. 

At a minimum, a billing statement will be sent out to you once per month for any balances due. You can always check your current balance at any time through our Patient Portal. 

Please note that our Patient Care Coordinator team will reach out before your appointment to inform you of any outstanding balances. Depending on your communication preferences, our team may reach out via phone, text, or email. 

 What payment methods do you accept? 

We accept payment via cash, check, and all major credit cards. 

What if I have a question about my bill or payment? 

If you have any questions or concerns about your bill or payment, please don't hesitate to contact our billing team at billing@reliefpsychiatryofarizona.com for any assistance. Our team is always here to assist you and provide you with the information you need. 

Why do I see a therapy code for my psychiatry appointment? 

Clarity Clinic values spending time with our patients. Our prescribers must have time to connect with their patients to help with diagnostic clarification and medication management. Because of this, our prescribers use specific insurance codes to allow time to provide supportive conversations to their patients. 

You may see certain “therapy” codes on your explanation of benefits (EOB) provided by your insurance company. Although this code is listed as a “therapy” code, it is not “traditional” therapy and instead is an add-on code used only by psychiatry providers. This code is used in addition to the “E&M” code that prescribers use when assessing how a patient is doing on their current medications. 

What is prior authorization? 

A Prior Authorization in mental health care is a requirement that a provider obtains approval from your health insurance plan before prescribing a specific medication or performing a particular medical service. Without this prior approval, your health insurance plan may not cover the cost of your treatment, leaving you responsible for the cost of the full bill.