Payment + insurance

At Rose Wellness, we're committed to making therapy accessible to all. While all our therapists accept out of network benefits, each therapist also is in network with various insurance panels. To ensure that you have all the information you need about payment and insurance options, we highly recommend reviewing the information below before scheduling a session with one of our clinicians.

In Network

We have clinicians who are in network with Carefirst BCBS (and all Anthem and Blue Cross plans), United Healthcare, Johns Hopkins EHP, Medicaid, Aetna, and Cigna. To find out about your deductible and copay, please call the number on the back of your insurance card before your first session and ask them:

Is outpatient mental health covered?
What is my deductible?
What is my copay?

Does therapy count towards my deductible?
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If you have a high deductible, your responsibility per session will be the entire cost that insurance allows (often between $100 and $115). This is why it is important to ascertain the cost of your deductible prior to the first session so that you are prepared for a potential cost.

Out of Network

If you have a Preferred Provider Organization (PPO), you likely have Out of Network (OON) Benefits. We strongly recommend calling your insurance prior to your first session to verify Out of Network benefits. In this instance, the following applies:

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You will pay your clinician directly after each session.

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You can use your HSA card to pay for sessions.

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You can use a credit card or HSA card to pay for sessions.

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Your clinician will provide you with an itemized invoice.

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You will submit those invoices to your insurance provider.

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You will receive full or partial reimbursement, and this depends on your plan and policy.

Questions to Ask your Insurance Company

If you are uncertain about how your insurance operates, we recommend using the following questions with a representative from your provider:

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Do I have an HMO or a PPO?

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Do I have out-of-network benefits?

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What are the reimbursement rates for:

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The first session? (CPT code 90791)

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Subsequent sessions? (CPT code 90837)

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What is my deductible?

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Is pre-certification or pre-authorization required?

Self Pay

Self-pay rates range from $150 to $175 and vary by clinician. Payment is accepted via credit card (HSA/FSA card included).

NO SURPRISE ACT

Good Faith Estimate

You have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost. Under the law, healthcare providers need to give patients who don’t have insurance or who are not using insurance an estimate of the bill for medical items and services.

You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.

Make sure your healthcare provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your healthcare provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.

If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1-800-985-3059.

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