We contracted with most Anthem Blue Cross Blue Shield, Aetna, Cigna, and now Sentara plans, but not all.  It's important to understand that even though I am contracted with these major insurance companies, there are some specific plans within those companies that I am not in-network with.  For example, I am in network with most Cigna plans but I am NOT in-network with Cigna's Connect Plans, Local Plus, HMO Connect, and Cigna Surefit plans.   While I am contracted with most Anthem and Aetna plans, there are a few unique versions of Anthem and Aetna plans that I am NOT contracted. PLEASE VERIFY WITH YOUR INSURANCE PLAN THAT I AM INDEED IN NETWORK.

It is your responsibility to verify with your insurance plan that I am in-network.  If your plan considers me out-of-network, you will be responsible for the full cost of the visit. I will provide you with a superbill that you can submit to your insurance provider for possible out-of-network reimbursement.

Not necessarily.  When we run an insurance verification we can only go based on the information provided at the time the verification is completed.  We do not have access to immediate updates on deductibles.  You may be prompted to pay the full amount for your appointment and when we receive the EOB, if it says you had met your deductible, we will refund you any money owed.

Generally, yes if it is a commercial or Medicare policy. We do not accept Medicaid.

An EOB is a document that we receive from your insurance company that tells us how they adjudicated/processed your claim.  It tells us what the insurance will pay on the claim and what, if any, payment responsibility is yours.  If an EOB shows that you owe more or less than we previously charged you, we will make adjustments to your account once we receive the EOB.

A COB is sometimes required by an insurance company if they believe you have more than one insurance policy.  A COB will confirm your coverage and tell them which policy is primary.  If you are requested to complete a COB, either by us or your insurance company, you will be required to do this to prevent claim denials.  Contact the number on the back of your insurance card in order to complete a COB.  Failure to complete a requested COB could result in denied claims that you will be responsible for paying.

No, our policy is that your payment/co-payment/co-insurance is due at time of service.  For in-office appointments, you will pay when you check in.  For telehealth visits, you will be prompted to make the payment before the telehealth session will begin.

Our Electronic Medical Record, Valant, will not subtract a credit from the amount owed for a telehealth appointment unless the credit is equal to or greater than the amount owed for the appointment.  For example, if you have a $10 credit, but a $25 copay you will still be prompted to pay the $25.  You may call our office to request a refund of any credit amount showing in your MYIO patient portal.

Our policy is that full payment is due at time of service. If you cannot make your payment, please call our office ahead of time to discuss payment arrangements. Please do not wait until the time of your appointment to request adjustments.

Please call the office to speak with someone in billing.  Our insurance verifications do not always provide specific details for mental health visits.  If you have proof that your coverage is different from what our system is showing us, we will make adjustments accordingly.  Otherwise, we must rely on the initial eligibility verifications that we run and then on the EOB’s that we receive.

Our system automatically processes credit card payments to cards on file once the appointments are recorded in our system.  We make every attempt for this to happen on the date of service, but sometimes there are delays with the appointments being recorded and this will result in charges happening on days you are not seen.  The other reason could be that we received an EOB that showed you owe more than we initially charged you, so we ran your card on file for the balance due.

No, we are unable to call people before running payments. However, we do try to contact people if we see an unexpectedly large balance due.