We are in network with Blue Cross Blue Shield (PPO) plans, Aetna PPO plans, and CIGNA/Evernorth. Please contact our office for more information.

1. What is in-network coverage?

   • In-network coverage refers to healthcare providers who have agreements with your health insurance plan to offer services at pre-negotiated rates. This partnership means you typically pay less out of pocket for care received from these providers while your insurance covers a larger portion of the cost. Being in-network ensures more predictable costs and often includes lower co-pays or coinsurance amounts. At Hollie Therapy and Counseling, we are in-network with BCBS, Aetna, and Cigna Evernorth, making our services more affordable for many clients.

2. What does out-of-network mean?

   • Out-of-network providers are healthcare professionals or facilities that do not have a contractual agreement with your insurance company. Because these providers don't offer pre-negotiated rates, your out-of-pocket costs may be higher for their services. Additionally, depending on your insurance plan, some or all of the cost may not be covered, leaving you responsible for the difference. If you choose to work with an out-of-network provider, it's important to review your plan details to understand your potential financial responsibility.

3. What is a co-pay for services?

   • A co-pay is a fixed amount of money you pay at the time of your healthcare visit, as determined by your insurance plan. This fee varies depending on your plan and the type of service you receive but typically ranges from $10 to $35 per visit. Co-pays are separate from other costs like deductibles or coinsurance and are often required for each appointment. They are designed to make accessing care more affordable while sharing the cost between you and your insurance company.

4. What is co-insurance?

   • Co-insurance is your share of the cost for healthcare services, calculated as a percentage of the total bill. For example, if your insurance covers 75% of the service cost, you would pay the remaining 25%. Co-insurance usually applies after you've met your deductible and continues until you reach your out-of-pocket maximum for the year. It's a way to split costs between you and your insurance provider, making it important to understand your plan's specific percentages.

5. What is a deductible?

   • A deductible is the amount you are responsible for paying out-of-pocket before your insurance plan begins to cover healthcare expenses. For example, you may need to pay $1,500 as an individual or $3,000 for a family before insurance takes over. Deductibles typically reset annually, and some services may be covered even if the deductible hasn't been met. Knowing your deductible amount can help you plan for healthcare costs throughout the year.