New Directions Counseling Center

Insurance

We accept most major insurances.  Once you provide your insurance information, we will be happy to check your benefits as a courtesy to you.  However, the information given online or via phone from insurance can be inaccurate.  We base the fee we provide to you on the information provided by the insurance company.  If the information provided differs once you receive your estimation of benefits, we will adjust accordingly.


Co-pays

Co-pays are a fixed amount that you pay each session.  The insurance company determines the amount of your co-pay.  Some plans require you to meet a deductible before the copay applies.


Deductibles

Deductibles are the dollar amounts that insurance companies require you to pay before the begin paying toward your medical treatments.  Once you meet the deductible amount, you will then only owe a co-pay.


EAP - Employee Assistance Program

Some companies offer an EAP which is an employee benefit.  It allows you to receive services at no cost to you. Once you complete the number of sessions the company allows under the EAP, you may elect to continue services using your insurance.


Out-of-pocket

Out-of-pocket is the amount of money you spend in a year for covered healthcare services.  This includes co-pays and deductibles.  The insurance company determines your out-of-pocket expense.


Self-Pay

Self-pay means you are not using insurance for healthcare benefits.  This may apply if you do not have insurance, or if you chose to not use your insurance benefits.


Out-of-Network

Out-of-network refers to the healthcare provider not having a contract with your insurance company.  If this is the case, you will owe the self-pay rate.


Some insurance companies will allow you to submit a Super Bill for reimbursement.  The healthcare provider will provide this for you.  The reimbursement typically does not cover the full amount you paid.  Also, some insurance companies will not pay for an Out-of-Network provider.


Non-Covered Services

Non-Covered Medical Services are medical services of which your insurance will not pay.  If you received medical treatment for a Non-Covered Service, you will have to pay the provider for the service.  You can always contact your insurance company prior to receiving services to determine if a service is not a Non-Covered Service.


No Surprise Act

Please click the link below for additional information regarding the No Surprise Act.