Questions About Insurance
This page answers some common questions regarding insurance. If you have a question that's not answered here, please feel free to contact us!
Do you accept insurance?
Cozy Mind Collective, LLC currently offers private pay services for new clients. Insurance companies often require a mental health diagnosis, detailed documentation, and sometimes limit the kind of care that can be provided. Providing services outside that system allows us to provide care that is confidential, affirming, and tailored to your needs and goals, rather than dictated by insurance companies and policies.
Some clients may be eligible for out-of-network reimbursement depending on their insurance plan. I encourage you to contact your insurance provider directly to learn more about your out-of-network mental health benefits and reimbursement eligibility prior to beginning therapy.
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Payment is collected at the time of service, and superbills may be available upon request for eligible clients. Depending on your plan, you may be responsible for the full session fee until your deductible has been met.​
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Please reach out to your insurance company prior to starting services with us, as we cannot guarantee that your insurance company or plan will accept superbills.
What is a superbill, and how can I submit it for potential reimbursement?
A superbill is a detailed receipt that includes all the necessary information for you to submit to your insurance company to request reimbursement for out-of-network therapy services. I provide superbills monthly, so you will receive one at the end of each month for all sessions you’ve attended. To find out more about the reimbursement process and if your insurance will cover the sessions, the best approach is to contact your insurance company directly. They can give you detailed information about how to submit the superbill, what is covered, and any specific requirements for reimbursement.
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Some helpful questions to ask your insurance company:
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"What are my out-of-network mental health benefits?"
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"What is the process for submitting a superbill for reimbursement?"
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"What information do I need to include when submitting the superbill?"
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"How much will you reimburse me for out-of-network therapy sessions?"
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"Are there any specific codes or forms I need to use when submitting for reimbursement?"
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"Do you cover telehealth therapy services?"
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"Is there a limit to how many therapy sessions you will reimburse per year?"
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"How long does it typically take to process a reimbursement request?"
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"Do I need pre-authorization for therapy services?"
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"Are there any specific criteria or conditions for reimbursement for mental health services?"
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"What should I do if my reimbursement request is denied??
No Surprises Act and Good Faith Estimates
Under U.S. law, health care providers need to give patients who don’t have insurance, or who are not using insurance, an estimate of the bill for medical items and services. You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.
Make sure your provider gives you a Good Faith Estimate in writing at least one business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service. If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill. Make sure you also 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 or call 1-800-985-3059.