Do you accept insurance?
At this time we accept private pay only; payment is due at time of service.
What forms of payment do you accept?
We accept check, cash, credit card, or HSA as forms of payment. Payment is due at time of service.
Can I submit for reimbursement?
Yes, we provide our clients with a Superbill upon request that has all the required information needed by the insurance companies for a reimbursement request. However, insurance companies require a diagnosis and some areas of focus in therapy are not covered or supported by insurance companies. Please notify your clinician if you wish to utilize the reimbursement process so they can process this with you in session. Creative Talkers is a direct, fee for service practice, and does not coordinate or process billing with insurance providers. We encourage clients to contact their insurance providers to better understand their Out-of-Network (OON) benefits and their OON reimbursement rates.
What happens if I miss an appointment or cancel late?
We request that you give 24 hour notice for canceling an appointment or we will charge you the full session fee. The reason we implement this policy is because missing an appointment or canceling late prevents another client from being able to be seen. Please review our terms and policy’s for more information or contact us with any questions.
Good Faith Estimate
This Good Faith Estimate shows the costs of items and services that are reasonably expected for your health care needs for an item or service. The estimate is based on information known at the time the estimate was created. If you are billed for more than this Good Faith Estimate, you have the right to dispute the bill. The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill. You may contact the health care provider or facility listed to let them know the billed charges are higher than the Good Faith Estimate. You can ask them to update the bill to match the Good Faith Estimate, ask to negotiate the bill, or ask if there is financial assistance available. You may also start a dispute resolution process with the U.S. Department of Health and Human Services (HHS). If you choose to use the dispute resolution process, you must start the dispute process within 120 calendar days (about 4 months) of the date on the original bill. There is a $25 fee to use the dispute process. If the agency reviewing your dispute agrees with you, you will have to pay the price on this Good Faith Estimate. If the agency disagrees with you and agrees with the health care provider or facility, you will have to pay the higher amount. To learn more and get a form to start the process, go to www.cms.gov/nosurprises or call HHS at (800) 368-1019. For questions or more information about your right to a Good Faith Estimate or the dispute process, visit www.cms.gov/nosurprises or call (800) 368-1019. Keep a copy of this Good Faith Estimate in a safe place or take pictures of it. You may need it if you are billed a higher amount. The Good Faith Estimate does not include any unknown or unexpected costs that may arise during treatment. You could be charged more if complications or special circumstances occur. If this happens, federal law allows you to dispute (appeal) the bill.
For questions or more information about your right to a Good Faith Estimate, visit HERE.
As indicated on your GFE that you will receive from you provider, your estimate will adjust pending clinical need. Estimate will also adjust if you request additional appointments beyond the usual agreed upon schedule. The totals listed on your Good Faith Estimate DO NOT account for no show/late, cancellation fees, bank charges, non-therapeutic charges e.g. documentation fees, banking fees, court/litigation fees, or other financial arrangements based on a case-by-case basis. You are encouraged to carefully read the Practice Policies and Informed Consent for complete details regarding fee schedule and therapeutic process/expectations.
As indicated above, Creative Talkers is a fee for service practice. A diagnosis is placed based on the Federal mandate requirement of the No Surprises Act. The diagnosis listed on your GFE does not go to anyone unless you submit it somewhere. Example: Submitting for insurance reimbursement
If you ever have questions regarding your treatment process, goals, progress, or charges, please immediately address with your provider.