Improving Life, Relationships,
             Knowledge and Understanding

​​​​Enrichment Services Int. counseling center

insurance counseling cigna e4h staywellflorida blue chp out of network quality confidentiality

Insurance


We accept:  CIGNA   E4H       Staywell/Wellcare/kids       Sunshine      Healthy Kids       Out of network (BC/BS)



We have avoided taking insurance in part due to the extra paperwork involved, lower pay, and lack of confidentiality.  However, we are always getting requests to use insurance for payment and for some individuals, insurance is the only way they can receive quality therapy.  Therefore, we are starting to take insurance on a limited basis.  Insurance that we will take in 2018 is Cigna, E4H (FL state employees EAP), Florida Sunshine, and Staywell plans.  All other insurance plans we would be an out-of-pocket provider meaning we can provide you with a receipt that you turn into the insurance for reimbursement.  Keep in mind that you need to check with your insurance plan to know what your deductibles and co-pays are and what they will cover.  Most plans do not cover marriage and family counseling.  


Before choosing to use insurance, read our initial reasons for not taking insurance.


Confidentiality

An insurance company is a third-party payer and has the right to know everything about the care you receive.  For a provider to get paid they must provide a diagnosis to the insurance company.  You may just need two sessions to learn how to deal with a family crisis but the provider has to code it as depression.  This becomes part of your permanent record, anyone that works for the insurance company may have access to your information.  If you get your insurance through your employer and they pay a portion of the cost, your employer then has a right to check your records.  This means the insurance company and any third-party payer into your insurance can look at your records at any time.  They may not get every detail that the therapist may have, but they will have the diagnosis and the opportunity to audit client records (kept by the therapist) whenever they desire.  If you have a job where the employer checks into the mental health records of employees and their families, you could be passed over for a raise or lose your job.  Paying with insurance you never really have full confidentiality.

Enrichment Services understands that for some people insurance is the only way to receive affordable care, however, we also find it borderline unethical to share records with the insurance company.  For private pay clients, all records 
we keep are between the individual therapist and the client.  We will never share any of your personal information without your written approval.  This also means we will not verify to anyone that you are even seeing a therapist unless you give permission to do so.  The only exception to this is if you reveal that you may hurt yourself or another person, then we are mandated by law to report.


Quality of service

Whenever a provider decides to join an insurance board, they agree to follow all insurance guidelines.  This means the provider is restricted to the type of therapy used, the number of sessions, the length of the sessions, and what they are paid (often below market value).  If the therapist believes one therapy is best for the client and the insurance disagrees, the client gets the less effective therapy or the provider doesn't get paid. 

Enrichment Services believes that to be ethical and to provide the best possible care we can for our clients, we need to be free from restrictions.  Not every client is the same or responds to the same type of therapy.  We believe in developing treatment plans that are individualized for each client so they get the best possible help in the shortest amount of time.  Some need to talk about feelings and emotions while others need cognitive skill building, we believe in doing what's best for the client rather than what's popular with the insurance companies.


Insurance

Many insurance plans reimburse for a portion of 
therapy.   Please, direct questions about reimbursement amounts and timeliness to your insurance company.  For details, contact your insurance carrier and ask about “out-of-network” benefits for “outpatient mental health services.”  It is also wise to make sure what your deductible is for benefits, many plans require you to pay thousands of dollars out of pocket before they kick in and pay a portion.  Some do not cover marriage or family counseling unless the insurance holder has another mental illness.  Upon request, we are happy to provide you with a statement for therapy that you may submit to your insurance company for reimbursement.




                                                                                                Are you ready to move forward and find solutions?

 

                                         Take advantage of counseling that is truly confidential and individualized for your circumstances. 

                                                                   Make an 
appointment today or contact us at 850-296-7807 or email.