Fees & Insurance

Fees per session: Rates vary from person-to-person and provider-to-provider. Give us a call and our Niceville therapists share how we can help meet your current personalized needs.

military

HEROES DISCOUNT

Krueger Wellness Institute is honored by the sacrifices made by our local and military heroes. We offer a 20% reduced rate for Active Duty Military Members, First Responders, and immediate family members paying out-of-pocket for 50-minute therapy services with a licensed provider. The reduced price also applies to 60-minute EMDR sessions.

Insurance coverage varies from individual to individual.

To set realistic treatment goals and priorities, it is important to evaluate your resources available to pay for your treatment. If you have a health insurance policy, it may provide some coverage for mental health treatment. Please inform us if you wish to utilize health insurance to pay for services. We will discuss the procedures for billing your insurance.

Although we are happy to assist your efforts to seek insurance reimbursement, it is sometimes difficult to determine exactly how much mental health coverage is available. The amount of reimbursement and the amount of any co- payments or deductible depends on the requirements of your specific insurance plan. You should be aware that insurance plans generally limit coverage to certain diagnosable mental conditions, which then become part of your medical record. You should also be aware that you are responsible for verifying and understanding the limits of your insurance coverage. You are responsible for obtaining prior authorization for treatment from your insurance carrier. Additionally, you are responsible for knowing your coverage and for letting us know if/when your coverage changes.

If your coverage changes and/or your annual deductible resets, and we are not notified, you will be responsible for the additional costs incurred by receiving services.

You should also be aware that most insurance companies require a clinical diagnosis to authorize and pay for services. Diagnoses are technical terms that describe the nature of your problems and whether they are short-term or long-term problems. All diagnoses come from a book entitled the Diagnostic and Statistical Manual of Mental Disorders (DSM-V). There is a copy in the clinic and we will be glad to let you see it to learn more about your diagnosis, if applicable. Sometimes we must provide additional clinical information such as treatment plans or summaries or copies of the entire record (in rare cases). This information will become part of the insurance company files and will most likely be stored in a computer. Though all insurance companies claim to keep such information confidential, we have no control over what they do with it once they have received it. In some cases, they may share the information with a national medical information databank. We will provide you with a copy of any report(s) submitted to the insurance company, free of charge, if you request it.

payments accepted If you plan to use your insurance, authorization from the insurance company may be required before they will cover therapy fees. If you did not obtain authorization and it is required, you may be responsible for full payment of the fee.

Many policies leave a percentage of the fee (co-insurance) or a flat dollar amount (co-payment) to be covered by the patient. Either amount is to be paid at the time of the visit by Cash, Check, Visa, Mastercard, or American Express. Some insurance companies may also have a deductible, which is an out-of-pocket amount, that must be paid by the patient before the insurance companies are willing to begin paying any amount for services. This will typically mean that you will be responsible to pay for initial sessions with us until your deductible has been met; the deductible amount may also need to be met at the start of each calendar year.

Once we have all of the information about your insurance coverage, we will discuss what we can reasonably expect to accomplish with the benefits available and what will happen if coverage ends before you feel ready to end your sessions. It is important to remember that you always have the right to pay for our services yourself to avoid the problems or concerns described above regarding insurance submission, unless prohibited by my provider contract.

If we are not a participating provider for your insurance plan, we will supply you with a receipt of payment for services, which you can submit to your insurance company for reimbursement. Please note that not all insurance companies reimburse for out-of-network providers. If you prefer to use a participating provider, I will refer you to a colleague.