It is important to RAFT Counseling that we offer quality and accessible treatment. Private pay options are always available and we accept multiple private insurances, as well as Colorado Medicaid, to ensure we are in line with our vision. We want your care to be accessible for you and can accept different plans as in-network providers including Cigna, United Healthcare, Oscar, Optum, and CO Medicaid CO Access and CCHA.
In Network (INN) Insurance Benefits: We are contracted in-network providers for insurance plans including Cigna, United Healthcare, and CO Medicaid CCHA and CO Access. Your specific coverage will be dependent on your insurance plan.
Out of Network Insurance Benefits: We've partnered with Mentaya, a service that streamlines getting reimbursed for your therapy sessions through out-of-network benefits.
Mentaya is perfect if you:
• Have out of network benefits
• Feel overwhelmed by superbills and insurance
• Want to skip the hassle of paperwork!
How do OON Insurance Benefits work with Mentaya?
2. Our practice will enter your sessions into the platform.
3. Mentaya submits the claim and handles any insurance follow-up.
4. You get reimbursed by insurance!
Mentaya charges a 5% fee per claim, which includes handling any paperwork required, dealing with denials, and calling insurance companies.
It's risk-free: They guarantee claims are successfully submitted, or a full refund of their fees.
Self-payment is also an option for all clients, with the exception of clients using CO Access or CCHA Medicaid. If you prefer not to involve insurance or if it's not suitable for your situation, you can choose to pay directly for the services rendered. This provides flexibility and ensures that you can access the support you need without insurance constraints.
Couples and Families: When the relationship is the client, this is not a covered service with insurance. To bill insurance for couples and family therapy, we need to pinpoint an individual client and diagnosis around which our sessions revolve. If this isn't feasible, we're glad to provide self-payment choices or suggest other resources if our rates are beyond your means.
We accept payments through our HIPAA secure EHR with a debit card or credit card. All major cards are accepted including cards linked to HSA accounts. Payment is due at the time of your appointment, just like at a doctor's office. If we are submitting claims to your health insurance, we then send the information to Cigna, Optum, United Healthcare, or CO Medicaid, and they will process the claim. If anything comes back unexpected, please connect with us. We are always striving to make using mental health insurance benefits an accessible options for therapy.
If you are unable to attend a session, please make sure you cancel at least 24 hours beforehand. We are awesome at what we do because we hold our clients in very high regard. Multiple no shows from a client, with no communication about what is happening, changes how we feel about that client. We offer a one time yearly exception because sometimes life happens. Following late, no shows and late cancellations are charged a fee.
Note that clients with CO Medicaid are never charged for no shows and late fees.
For all clients we do maintain a 3 time per year policy for no shows and late cancellations. After three times, we will recommend referrals that might better fit your needs to protect everyone's time, energy, and resources.
Sometimes. If stress, anxiety, addictions, or overwhelming emotions are taking over your daily life and interfering with work, relationships, and living a healthy life, then insurance will usually cover some sessions. In order to cover some or all of your care, insurance does require that your therapist provide a mental health diagnosis to show the insurance company that this care is medically necessary. The number of sessions and specific dollar amount covered will vary depending on your individual insurance plan.
Sometimes we may feel completely overwhelmed and be dealing with things we absolutely need help and support with, but insurance may label our care as “medically unnecessary”. In these cases, we offer private pay rates and limited sliding scale options on a case by case basis.
In some cases, insurance and CO Medicaid, including CO Access and CCHA, might request additional information to determine your benefits. Our team is transparent in sharing these requests with you and planning your treatment to best fit your needs.
You can call the number on your health insurance card and ask about your telehealth benefits for out-patient mental health. In addition, RAFT Counseling will verify your benefits and provide you with a summary of what your insurance will and will not cover. However, this information is never guaranteed, and you are encouraged to confirm directly with your plan.
Under the 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.