Understanding Your Coverage

Navigating insurance can be complex, and the Care Team provides assistance throughout the process. Because plans differ among carriers, staff can verify active coverage during intake; however, clients are advised to contact their carrier directly to clarify benefits and potential deductibles, which refer to the amount owed before insurance payments begin.

Here are some key questions to ask:

  • Does my insurance plan cover mental health?
  • What are my behavioral health benefits for outpatient therapy in an office setting?
  • What are my behavioral health benefits for virtual sessions?
  • Are they subject to a deductible?
    • If so, how much of my deductible has been met?
  • Do I need an authorization number prior to seeing a provider?
  • Is the provider I want to see in-network with my specific plan?
  • How much is my copay/co-insurance for outpatient psychotherapy?
  • Is there a limit to my psychotherapy coverage?

Claim Processing & Payments

Claims are billed daily, and the processing time depends on your insurance carrier, which may result in multiple claims being processed simultaneously. Copayments or co-insurance payments are processed at the time of service according to insurance contracts. Any deductible payments are run after insurance claims have been processed. Kindly refer to your Explanation of Benefits (EOB) from your insurance for detailed information regarding your claim processing or contact your insurance carrier for specific details pertaining to your plan.

Payment is due at time of service.

Cancellations & Missed Appointments

Please arrive on time for scheduled sessions. If you need to cancel or reschedule, provide at least 48 hours’ notice so we can offer your slot to another client. Cancellations without sufficient notice impact our ability to schedule those waiting for appointments. No-shows and late cancellations are subject to a $100 fee. Please note, more than two no-shows may result in ending therapy services.

Private Pay Clients & Good Faith Estimate

Pursuant to applicable law, health care providers must comply with balance-billing protections for individuals who obtain services without using insurance coverage. This legislation, known as the No Surprises Act, requires that individuals be informed of their rights prior to receiving care from providers who may be out-of-network with their insurance plans. For our clients not utilizing insurance, a Good Faith Estimate outlining anticipated costs for mental health services is provided. This estimate promotes transparency and assists clients in preparing for the financial aspects of their therapeutic care at Emmaus.

Find answers to your questions

View our Billing FAQs for more information.

We’re here to help

There’s no need to worry. We’re available to answer your billing questions. Contact our Billing department at 425.869.2644, ext. 18, Monday through Friday from 9 a.m. to 5 p.m. If you do call after these hours, please leave us a confidential voicemail message and your call will be returned the next business day.

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