Under the 2022 Public Health Service Act, Section 2799B-6 the No Surprises Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage, both orally and in writing, upon request or at the time of scheduling health care items and services, individuals are to receive a Good Faith Estimate (GFE) of expected charges for services recommended to address individual need.
As I focus on a partnerships with clients in the therapy process, Good Counseling has continuously promoted an understanding of service agreements with disclosures of cost.
Under the 2022 law, this specific GFE form is now part of the informed consents package sent with request to sign and complete intake documentation prior to beginning services.
Before moving forward with counseling services, you may want to explore if benefits may be covered in full or in part by your health insurance or employee plans. Regardless of covered insurance benefit, it is your independent choice to work with Good Counseling as a mental health provider that is out of your insured network.
To assist in determining the next steps to proceed with Good, or if your insurance plan has mental health resources, the following questions may assist in determining insurance benefit coverage:
Do I have mental health coverage within my benefit plan?
Is there a deductible for services and what is the cost?
How many sessions will my insurance and/or employee benefits cover?
Is pre-approval required from a medical provider or insurance?
Does working with Good Counseling meet your therapy needs and are you willing to use a provider out of network with direct payment for services provided?