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Insurance Information

Benefit Verification Process

Welcome to CFC Therapy. We would like this process to be as easy as possible for you. Please fill out the contact form, Our staff will contact you shortly with your benefit details. As a reminder, all of our providers are in-network with BCBS, PPO. However, only select providers are in-network with Aetna, United, Amita HMO, and Cigna. Please see the list above for details.

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CFC Therapy accepts the following insurances and offers a sliding scale if needed.

  • BCBS PPO (In-Network for all therapists and interns)
  • BCBS Blue Choice (In-Network, All Metallic Plans for all therapists and interns)
  • United Health Care (Hillary, Emmi,  and Crystal are in-network)
  • AETNA (Hillary is in-network)
  • Cigna (Hillary is the only one in-network-group contract pending)
  • Amita HMO (In-Network for all fully licensed clinicians)

Already a Client. Use our Client Portal

Great news…a lot of the BCBS choice plans do not require individuals to meet their deductibles prior to receiving mental health benefits. This means that in many cases clients will only owe a copay or coinsurance. Please fill out the benefit and verification form below and we will do the work for you to help you better understand your plan and use your insurance effectively.

Insurance & Our Self-Pay Rates

Insurance can be confusing– we get it. Check out the information below for some commonly asked questions.

Answer: Each insurance company & insurance plan is unique! Additionally, each of our therapists take insurance from different companies. We recommend that you reach out to your insurance company in addition to getting a benefits check from one of our staff members. Insurance doesn’t always fully cover the cost of treatment, but it can depending on your plan.

Answer: We highly recommend clients reach out to their insurance company to get the most up to date information on what is covered & not covered. Clients are responsible for knowing what their insurance benefits are. If you are unsure of what to expect, you can email hello@cfctherapy.com to request an explanation of benefits. Calling the number on the back of your insurance card and giving them our two most used CPT codes (90791 and 90837) is the best way to guarantee that you will know your insurance benefits. Sometimes, there will be a copay or a deductible that needs to be met. Your insurance company can best explain to you your unique plan. 

Answer:  We completely understand that calling your insurance company can feel intimidating. When you call, simply state that you’re hoping to start mental health therapy, but that you are wanting to gather more information regarding what is covered & if your potential clinician is in network with your plan. The insurance company representative should be able to look over your policy to confirm that the services are covered or partly covered. Be sure to ask about your deductible & any copays. Write down the name of the representative you spoke to, the time & date (for your own records). 

Answer:  You can see a clinician for our self pay rate and we provide you with a superbill for you to submit to your insurance. You are responsible for submitting superbills to your insurance company for possible partial/full reimbursement from them. It’s important to confirm with your insurance company that they can/will partially reimburse you as it’s always possible they can deny your claim. We cannot speak to whether your insurance company will cover any of the cost. Reimbursement is not guaranteeed.

Answer: Yes! Clients agree to a specific self pay rate with their new clinician or with our intake coordinator. Clients are responsible for providing valid and updated credit card information on their intake forms. Our billing team will use this credit card to charge the client balance for each session.

Answer: Our Pre-Licensed Therapist Rate is  $120. Our Fully-Licensed Clinician rate is $145. If you’d like to see one of our Intern-Clinicians, they often have open slots for a self-pay rate of $40.

Answer: It’s important that therapy practices give self-pay clients an estimate of their therapeutic treatment costs. A Good Faith Estimate shows the expected costs of therapy services based on all the information given to the practice when the estimate is made.

You can contact our billing team directly at billing@cfctherapy.com to make any updates to insurance or credit cards. Our team is happy to answer any questions that you might have! 

Payment plans are available upon request. 

Please fill out this form with just your name and phone number. A CFC representative will give you a call and we will take all of your insurance information over the phone. 

Please have these items available during the phone call:

Policy holder’s name
Policy holder’s DOB
Insurance company
Policy ID number
Group Number

We will call you back at our earliest convenience to take your insurance information.

Cancellation Policy

If you need to cancel your appointment, we require a minimum of 24-hours notice; otherwise, you are subject to a $100 charge for the missed appointment. Messages may be left on the voicemail which will accurately record the date and time you called.
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