Fees & Insurance

Payment for services will be accepted in the form of cash, credit card or personal check.  I will be accepting most insurance policies in 2013. Fee for services will be agreed upon during initial phone consultation.  Current insurance policies accepted: Fidelis Care, CDPHP, MHN, TRICARE, COMPSYCH,  American Behavioral and Military One Source.

If you participate with an insurance company I am not IN-NETWORK with I am happy to help assist you in dealing with your insurance company. Therefore, I have put together this help-sheet in hopes that it will make the navigation process easier for those using their OON- Out of network benefit.

  1. Payment is made directly to April Hannah LMHC at the time of treatment. I immediately give you a statement to submit to your insurance company for reimbursement.
  2. It is often helpful to call your insurance company in advance so that you will be clear about your out-of-network benefits.
  3. Most insurance companies have different pools of benefits for inpatient vs. outpatient treatment. Additionally, some insurance companies will “flex” your inpatient benefit to pay for outpatient treatment. For example: You may have 30 days of unused inpatient benefits and no more outpatient benefits. It is possible that your insurance company will count each day of inpatient benefit as 3 days of Day Treatment or Intensive Outpatient Treatment. PLEASE REMEMBER: All insurance companies are different. There is no standard. You must ask about each specific benefit.
  4. Some questions to ask when contacting your insurance company: Do I have mental health benefits?  What is my deductible and has it been met?  How many sessions per calendar year does my plan cover?  How much does my plan cover for an out-of-network provider?  What is my coverage amount per therapy session?  Is approval required from my primary care physician?